United Shore Financial Services in Montana vs the state
9.2%Denial rate-5.67 pts vs state
10.5%Decision denial rate-8.17 pts vs state
76.1%Origination rate+14.16 pts vs state
6.25%Median rate-0.38 pts vs state
0.02Rate spread (pts)-0.22 pts vs state
$115kMedian applicant income
1,414Loans originated
170Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 925 | 726 | 9.1% | 6.60% | #7 |
| 2024 | 1,321 | 1,044 | 8.6% | 6.49% | #5 |
| 2025 | 1,857 | 1,414 | 9.2% | 6.25% | #4 |
What United Shore Financial Services lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Flathead County | 468 | 385 | 42 | 9.0% |
| Yellowstone County | 273 | 201 | 25 | 9.2% |
| Gallatin County | 156 | 116 | 17 | 10.9% |
| Missoula County | 127 | 96 | 7 | 5.5% |
| Cascade County | 117 | 90 | 8 | 6.8% |
| Lewis and Clark County | 94 | 64 | 8 | 8.5% |
| Ravalli County | 93 | 82 | 3 | 3.2% |
| Lake County | 64 | 48 | 5 | 7.8% |
| Lincoln County | 56 | 38 | 7 | 12.5% |
| Hill County | 48 | 36 | 6 | 12.5% |
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% |
| 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% |
| Guaranteed Rate | B | 758 | 6.3% | 6.50% |
Frequently asked questions
Montana: 1,857 applications in 2025, of which 1,414 were originated and 170 denied.
9.2% of all applications, or 10.5% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans United Shore Financial Services originated in Montana in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are United Shore 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