Plains Commerce Bank in Montana vs the state
9.9%Denial rate-4.96 pts vs state
13.1%Decision denial rate-5.62 pts vs state
64.8%Origination rate+2.81 pts vs state
6.50%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.08 pts vs state
$149kMedian applicant income
92Loans originated
14Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 83 | 0.8% | 6.63% | #43 |
| 2024 | 165 | 105 | 3.6% | 6.63% | #48 |
| 2025 | 142 | 92 | 9.9% | 6.50% | #53 |
What Plains Commerce Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 68 | 45 | 7 | 10.3% |
| Yellowstone County | 13 | 9 | 1 | 7.7% |
| Missoula County | 10 | 8 | 0 | 0.0% |
| Lake County | 7 | 5 | 0 | 0.0% |
| Cascade County | 7 | 4 | 1 | 14.3% |
| Gallatin County | 7 | 5 | 0 | 0.0% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Granite County | 3 | 1 | 0 | 0.0% |
| Carbon County | 3 | 0 | 0 | 0.0% |
| Stillwater County | 2 | 2 | 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: 142 applications in 2025, of which 92 were originated and 14 denied.
9.9% of all applications, or 13.1% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Plains Commerce Bank originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce Bank'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