PHH Mortgage in Montana vs the state
9.3%Denial rate-5.49 pts vs state
17.5%Decision denial rate-1.20 pts vs state
44.0%Origination rate-17.98 pts vs state
5.75%Median rate-0.88 pts vs state
-0.15Rate spread (pts)-0.39 pts vs state
$66kMedian applicant income
33Loans originated
7Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 12 | 27.6% | 7.36% | #97 |
| 2024 | 61 | 25 | 26.2% | 6.99% | #77 |
| 2025 | 75 | 33 | 9.3% | 5.75% | #72 |
What PHH Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 14 | 5 | 0 | 0.0% |
| Ravalli County | 11 | 7 | 2 | 18.2% |
| Missoula County | 8 | 4 | 2 | 25.0% |
| Silver Bow County | 5 | 2 | 0 | 0.0% |
| Gallatin County | 5 | 4 | 0 | 0.0% |
| Yellowstone County | 5 | 2 | 0 | 0.0% |
| Lincoln County | 4 | 1 | 0 | 0.0% |
| Dawson County | 4 | 0 | 1 | 25.0% |
| Lewis and Clark County | 3 | 0 | 1 | 33.3% |
| Cascade County | 3 | 1 | 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: 75 applications in 2025, of which 33 were originated and 7 denied.
9.3% of all applications, or 17.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans PHH Mortgage originated in Montana in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are PHH 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