OCMBC in Montana vs the state
8.7%Denial rate-6.12 pts vs state
13.3%Decision denial rate-5.37 pts vs state
47.8%Origination rate-14.15 pts vs state
7.00%Median rate+0.37 pts vs state
0.36Rate spread (pts)+0.11 pts vs state
$126kMedian applicant income
11Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 33.3% | 9.13% | #158 |
| 2024 | 24 | 9 | 29.2% | 7.25% | #121 |
| 2025 | 23 | 11 | 8.7% | 7.00% | #136 |
What OCMBC lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 5 | 3 | 0 | 0.0% |
| Yellowstone County | 4 | 1 | 0 | 0.0% |
| Missoula County | 2 | 1 | 1 | 50.0% |
| Gallatin County | 2 | 1 | 1 | 50.0% |
| Park County | 2 | 2 | 0 | 0.0% |
| Cascade County | 1 | 1 | 0 | 0.0% |
| Mineral County | 1 | 0 | 0 | 0.0% |
| Ravalli County | 1 | 0 | 0 | 0.0% |
| Sanders County | 1 | 0 | 0 | 0.0% |
| Lincoln County | 1 | 0 | 0 | 0.0% |
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: 23 applications in 2025, of which 11 were originated and 2 denied.
8.7% of all applications, or 13.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans OCMBC originated in Montana in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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