U.S. Bank in Montana vs the state
27.1%Denial rate+12.23 pts vs state
33.3%Decision denial rate+14.55 pts vs state
52.5%Origination rate-9.44 pts vs state
7.13%Median rate+0.50 pts vs state
0.45Rate spread (pts)+0.21 pts vs state
$120kMedian applicant income
538Loans originated
277Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 980 | 520 | 32.6% | 7.63% | #6 |
| 2024 | 980 | 518 | 29.1% | 7.63% | #7 |
| 2025 | 1,024 | 538 | 27.1% | 7.13% | #7 |
What U.S. Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gallatin County | 183 | 105 | 39 | 21.3% |
| Yellowstone County | 182 | 100 | 41 | 22.5% |
| Missoula County | 100 | 42 | 42 | 42.0% |
| Lewis and Clark County | 99 | 63 | 16 | 16.2% |
| Flathead County | 89 | 46 | 26 | 29.2% |
| Cascade County | 88 | 46 | 24 | 27.3% |
| Ravalli County | 51 | 24 | 16 | 31.4% |
| Silver Bow County | 32 | 15 | 13 | 40.6% |
| Madison County | 18 | 9 | 4 | 22.2% |
| Hill County | 15 | 8 | 3 | 20.0% |
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% |
| 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: 1,024 applications in 2025, of which 538 were originated and 277 denied.
27.1% of all applications, or 33.3% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans U.S. Bank originated in Montana in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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