Prosperity Home Mortgage in Montana vs the state
6.5%Denial rate-8.35 pts vs state
9.0%Decision denial rate-9.70 pts vs state
65.5%Origination rate+3.49 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.03 pts vs state
$123kMedian applicant income
91Loans originated
9Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 76 | 9.9% | 6.88% | #47 |
| 2024 | 143 | 96 | 8.4% | 6.63% | #51 |
| 2025 | 139 | 91 | 6.5% | 6.63% | #56 |
What Prosperity Home Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 30 | 22 | 1 | 3.3% |
| Ravalli County | 28 | 22 | 0 | 0.0% |
| Gallatin County | 20 | 12 | 1 | 5.0% |
| Silver Bow County | 20 | 10 | 1 | 5.0% |
| Lewis and Clark County | 14 | 10 | 0 | 0.0% |
| Lake County | 6 | 3 | 1 | 16.7% |
| Sanders County | 4 | 1 | 3 | 75.0% |
| Madison County | 3 | 2 | 1 | 33.3% |
| Mineral County | 3 | 1 | 1 | 33.3% |
| Flathead 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: 139 applications in 2025, of which 91 were originated and 9 denied.
6.5% of all applications, or 9.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Prosperity Home Mortgage originated in Montana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home 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