PNC Bank in Montana vs the state
23.3%Denial rate+8.47 pts vs state
31.5%Decision denial rate+12.78 pts vs state
48.0%Origination rate-14.03 pts vs state
6.63%Median rate0.00 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$170kMedian applicant income
35Loans originated
17Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 45 | 17.8% | 7.38% | #61 |
| 2024 | 87 | 42 | 24.1% | 7.75% | #64 |
| 2025 | 73 | 35 | 23.3% | 6.63% | #74 |
What PNC Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 16 | 8 | 4 | 25.0% |
| Flathead County | 14 | 4 | 6 | 42.9% |
| Gallatin County | 9 | 4 | 1 | 11.1% |
| Lewis and Clark County | 7 | 3 | 2 | 28.6% |
| Missoula County | 5 | 4 | 0 | 0.0% |
| Cascade County | 4 | 2 | 1 | 25.0% |
| Ravalli County | 3 | 2 | 1 | 33.3% |
| Silver Bow County | 3 | 2 | 0 | 0.0% |
| Madison County | 3 | 2 | 0 | 0.0% |
| Deer Lodge County | 2 | 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: 73 applications in 2025, of which 35 were originated and 17 denied.
23.3% of all applications, or 31.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans PNC Bank originated in Montana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are PNC 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