Triad Financial Services in Montana vs the state
36.9%Denial rate+22.11 pts vs state
36.9%Decision denial rate+18.23 pts vs state
40.3%Origination rate-21.73 pts vs state
8.87%Median rate+2.24 pts vs state
3.26Rate spread (pts)+3.02 pts vs state
$60kMedian applicant income
97Loans originated
89Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 30 | 50.5% | 8.50% | #58 |
| 2024 | 220 | 75 | 40.9% | 8.80% | #37 |
| 2025 | 241 | 97 | 36.9% | 8.87% | #41 |
What Triad Financial Services lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 49 | 15 | 23 | 46.9% |
| Lewis and Clark County | 44 | 21 | 15 | 34.1% |
| Missoula County | 43 | 25 | 6 | 14.0% |
| Flathead County | 38 | 13 | 20 | 52.6% |
| Gallatin County | 26 | 8 | 13 | 50.0% |
| Silver Bow County | 7 | 3 | 4 | 57.1% |
| Ravalli County | 6 | 2 | 1 | 16.7% |
| Lincoln County | 5 | 4 | 0 | 0.0% |
| Lake County | 4 | 1 | 2 | 50.0% |
| Broadwater County | 4 | 3 | 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: 241 applications in 2025, of which 97 were originated and 89 denied.
36.9% of all applications, or 36.9% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Triad Financial Services originated in Montana in 2025 was 8.87%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services'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