The Central Trust Bank in Montana vs the state
0.0%Denial rate-14.82 pts vs state
0.0%Decision denial rate-18.70 pts vs state
50.0%Origination rate-11.98 pts vs state
6.59%Median rate-0.04 pts vs state
-0.36Rate spread (pts)-0.60 pts vs state
$167kMedian applicant income
5Loans originated
0Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 10 | 0.0% | 6.13% | #144 |
| 2024 | 5 | 4 | 0.0% | 6.99% | #229 |
| 2025 | 10 | 5 | 0.0% | 6.59% | #180 |
What The Central Trust Bank lends in Montana
By loan purpose
By loan type
Where in Montana
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Gallatin County | 2 | 1 | 0 | 0.0% |
| Flathead County | 1 | 1 | 0 | 0.0% |
| Wheatland County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Yellowstone County | 1 | 0 | 0 | 0.0% |
| Park County | 1 | 0 | 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: 10 applications in 2025, of which 5 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans The Central Trust Bank originated in Montana in 2025 was 6.59%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust Bank'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