New Day Financial in Montana vs the state
19.1%Denial rate+4.25 pts vs state
47.1%Decision denial rate+28.43 pts vs state
19.5%Origination rate-42.45 pts vs state
6.75%Median rate+0.13 pts vs state
0.72Rate spread (pts)+0.48 pts vs state
$80kMedian applicant income
42Loans originated
41Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 30 | 23.8% | 7.31% | #37 |
| 2024 | 208 | 42 | 16.4% | 7.49% | #42 |
| 2025 | 215 | 42 | 19.1% | 6.75% | #47 |
What New Day Financial lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 32 | 7 | 9 | 28.1% |
| Flathead County | 26 | 5 | 5 | 19.2% |
| Cascade County | 22 | 8 | 2 | 9.1% |
| Lewis and Clark County | 22 | 3 | 3 | 13.6% |
| Gallatin County | 11 | 1 | 4 | 36.4% |
| Silver Bow County | 11 | 1 | 3 | 27.3% |
| Lincoln County | 10 | 4 | 0 | 0.0% |
| Ravalli County | 10 | 0 | 1 | 10.0% |
| Missoula County | 10 | 0 | 0 | 0.0% |
| Jefferson County | 7 | 1 | 1 | 14.3% |
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: 215 applications in 2025, of which 42 were originated and 41 denied.
19.1% of all applications, or 47.1% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans New Day Financial originated in Montana in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are New Day Financial'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