Sierra Pacific Mortgage Company in Montana vs the state
25.0%Denial rate+10.18 pts vs state
33.3%Decision denial rate+14.63 pts vs state
50.0%Origination rate-11.98 pts vs state
6.81%Median rate+0.18 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$112kMedian applicant income
4Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 13 | 18.8% | 6.75% | #128 |
| 2024 | 13 | 10 | 15.4% | 6.38% | #150 |
| 2025 | 8 | 4 | 25.0% | 6.81% | #196 |
What Sierra Pacific Mortgage Company lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 2 | 1 | 1 | 50.0% |
| Yellowstone County | 2 | 0 | 1 | 50.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Phillips County | 1 | 0 | 0 | 0.0% |
| Broadwater County | 1 | 1 | 0 | 0.0% |
| Valley County | 1 | 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: 8 applications in 2025, of which 4 were originated and 2 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Sierra Pacific Mortgage Company originated in Montana in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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