Synergy One Lending in Montana vs the state
8.4%Denial rate-6.40 pts vs state
11.3%Decision denial rate-7.37 pts vs state
65.9%Origination rate+3.95 pts vs state
6.50%Median rate-0.13 pts vs state
0.23Rate spread (pts)-0.01 pts vs state
$105kMedian applicant income
180Loans originated
23Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 2 | 0.0% | 8.95% | #219 |
| 2024 | 149 | 97 | 12.1% | 6.38% | #49 |
| 2025 | 273 | 180 | 8.4% | 6.50% | #33 |
What Synergy One Lending lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cascade County | 65 | 48 | 7 | 10.8% |
| Lewis and Clark County | 47 | 30 | 3 | 6.4% |
| Missoula County | 34 | 26 | 3 | 8.8% |
| Flathead County | 34 | 18 | 3 | 8.8% |
| Park County | 28 | 17 | 1 | 3.6% |
| Ravalli County | 18 | 9 | 2 | 11.1% |
| Yellowstone County | 7 | 5 | 2 | 28.6% |
| Teton County | 6 | 6 | 0 | 0.0% |
| Gallatin County | 3 | 3 | 0 | 0.0% |
| Broadwater County | 3 | 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: 273 applications in 2025, of which 180 were originated and 23 denied.
8.4% of all applications, or 11.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Synergy One Lending originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending'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