Hometown Equity Mortgage in Montana vs the state
36.8%Denial rate+22.02 pts vs state
36.8%Decision denial rate+18.14 pts vs state
63.2%Origination rate+1.18 pts vs state
7.25%Median rate+0.63 pts vs state
0.94Rate spread (pts)+0.70 pts vs state
$245kMedian applicant income
12Loans originated
7Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 40.0% | 7.63% | #227 |
| 2025 | 19 | 12 | 36.8% | 7.25% | #144 |
What Hometown Equity Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 6 | 5 | 1 | 16.7% |
| Yellowstone County | 4 | 2 | 2 | 50.0% |
| Ravalli County | 2 | 1 | 1 | 50.0% |
| Lake County | 1 | 0 | 1 | 100.0% |
| Missoula County | 1 | 1 | 0 | 0.0% |
| Musselshell County | 1 | 1 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Lewis and Clark County | 1 | 0 | 1 | 100.0% |
| Gallatin County | 1 | 0 | 1 | 100.0% |
Other large lenders in Montana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Glacier Bank | D | 3,018 | 16.2% | 7.25% |
| Stockman Bank of Montana | B | 2,911 | 6.3% | 6.88% |
| Rocket Mortgage | C | 1,999 | 17.5% | 6.75% |
| United Shore Financial Services | B | 1,857 | 9.2% | 6.25% |
| Opportunity Bank of Montana | B | 1,608 | 9.8% | 6.88% |
| Evergreen Moneysource Mortgage | B | 1,158 | 1.1% | 6.25% |
| U.S. Bank | D | 1,024 | 27.1% | 7.13% |
| First Interstate Bank | D | 987 | 22.9% | 8.25% |
| Mortgage Research Center | C | 940 | 16.7% | 6.13% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
Frequently asked questions
Montana: 19 applications in 2025, of which 12 were originated and 7 denied.
36.8% of all applications, or 36.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Hometown Equity Mortgage originated in Montana in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity Mortgage's own HMDA filing for properties located in Montana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology