The Federal Savings Bank in Montana vs the state
6.6%Denial rate-8.23 pts vs state
12.8%Decision denial rate-5.93 pts vs state
45.1%Origination rate-16.93 pts vs state
6.50%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.19 pts vs state
$86kMedian applicant income
41Loans originated
6Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 31 | 18.0% | 6.75% | #62 |
| 2024 | 91 | 26 | 12.1% | 6.50% | #62 |
| 2025 | 91 | 41 | 6.6% | 6.50% | #67 |
What The Federal Savings Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 14 | 4 | 1 | 7.1% |
| Lewis and Clark County | 11 | 6 | 0 | 0.0% |
| Silver Bow County | 10 | 4 | 0 | 0.0% |
| Cascade County | 9 | 4 | 1 | 11.1% |
| Flathead County | 9 | 6 | 0 | 0.0% |
| Lake County | 5 | 2 | 0 | 0.0% |
| Ravalli County | 5 | 1 | 1 | 20.0% |
| Fergus County | 5 | 4 | 0 | 0.0% |
| Gallatin County | 3 | 3 | 0 | 0.0% |
| Lincoln County | 3 | 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: 91 applications in 2025, of which 41 were originated and 6 denied.
6.6% of all applications, or 12.8% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans The Federal Savings Bank originated in Montana in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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