Southwest Stage Funding in Montana vs the state
17.4%Denial rate+2.57 pts vs state
33.3%Decision denial rate+14.63 pts vs state
26.1%Origination rate-35.89 pts vs state
8.73%Median rate+2.10 pts vs state
2.77Rate spread (pts)+2.53 pts vs state
$72kMedian applicant income
6Loans originated
4Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 3 | 33.3% | 7.70% | #205 |
| 2024 | 11 | 7 | 0.0% | 7.55% | #165 |
| 2025 | 23 | 6 | 17.4% | 8.73% | #135 |
What Southwest Stage Funding lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 9 | 2 | 2 | 22.2% |
| Missoula County | 5 | 0 | 1 | 20.0% |
| Ravalli County | 2 | 0 | 1 | 50.0% |
| Deer Lodge County | 2 | 1 | 0 | 0.0% |
| Richland County | 1 | 0 | 0 | 0.0% |
| Sanders County | 1 | 0 | 0 | 0.0% |
| Broadwater County | 1 | 1 | 0 | 0.0% |
| Gallatin County | 1 | 1 | 0 | 0.0% |
| Lake 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: 23 applications in 2025, of which 6 were originated and 4 denied.
17.4% 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 Southwest Stage Funding originated in Montana in 2025 was 8.73%, against a statewide median of 6.63%.
About this data. Figures are Southwest Stage Funding'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