SmartFi Home Loans in Montana vs the state
36.4%Denial rate+21.54 pts vs state
36.4%Decision denial rate+17.66 pts vs state
63.6%Origination rate+1.66 pts vs state
6.38%Median rate-0.25 pts vs state
—Rate spread (pts)
$24kMedian applicant income
7Loans originated
4Denied
What SmartFi Home Loans lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 6 | 4 | 2 | 33.3% |
| Yellowstone County | 2 | 2 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 0 | 1 | 100.0% |
| Richland County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 7 were originated and 4 denied.
36.4% of all applications, or 36.4% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans SmartFi Home Loans originated in Montana in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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