Mortgage Research Center in Montana vs the state
16.7%Denial rate+1.88 pts vs state
26.1%Decision denial rate+7.42 pts vs state
46.7%Origination rate-15.28 pts vs state
6.13%Median rate-0.50 pts vs state
-0.34Rate spread (pts)-0.58 pts vs state
$98kMedian applicant income
439Loans originated
157Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 596 | 286 | 13.3% | 6.75% | #12 |
| 2024 | 763 | 401 | 14.0% | 6.25% | #10 |
| 2025 | 940 | 439 | 16.7% | 6.13% | #9 |
What Mortgage Research Center lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 155 | 69 | 26 | 16.8% |
| Yellowstone County | 146 | 71 | 19 | 13.0% |
| Lewis and Clark County | 88 | 43 | 17 | 19.3% |
| Flathead County | 65 | 24 | 7 | 10.8% |
| Ravalli County | 42 | 17 | 8 | 19.0% |
| Missoula County | 41 | 14 | 7 | 17.1% |
| Silver Bow County | 41 | 19 | 9 | 22.0% |
| Lincoln County | 37 | 20 | 7 | 18.9% |
| Gallatin County | 36 | 17 | 6 | 16.7% |
| Sanders County | 18 | 9 | 6 | 33.3% |
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% |
| Crosscountry Mortgage | B | 920 | 5.1% | 6.63% |
| Guaranteed Rate | B | 758 | 6.3% | 6.50% |
Frequently asked questions
Montana: 940 applications in 2025, of which 439 were originated and 157 denied.
16.7% of all applications, or 26.1% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Mortgage Research Center originated in Montana in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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