Kind Lending in Montana vs the state
21.1%Denial rate+6.29 pts vs state
22.7%Decision denial rate+3.97 pts vs state
70.9%Origination rate+8.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.11 pts vs state
$130kMedian applicant income
319Loans originated
95Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 100 | 16.3% | 6.50% | #42 |
| 2024 | 305 | 214 | 21.6% | 6.63% | #24 |
| 2025 | 450 | 319 | 21.1% | 6.50% | #19 |
What Kind Lending lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 114 | 81 | 22 | 19.3% |
| Missoula County | 90 | 73 | 12 | 13.3% |
| Yellowstone County | 48 | 37 | 10 | 20.8% |
| Gallatin County | 44 | 28 | 8 | 18.2% |
| Ravalli County | 29 | 20 | 6 | 20.7% |
| Lake County | 15 | 11 | 2 | 13.3% |
| Lewis and Clark County | 13 | 8 | 4 | 30.8% |
| Sanders County | 12 | 11 | 1 | 8.3% |
| Cascade County | 12 | 6 | 6 | 50.0% |
| Lincoln County | 11 | 5 | 3 | 27.3% |
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: 450 applications in 2025, of which 319 were originated and 95 denied.
21.1% of all applications, or 22.7% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Kind Lending originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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