USAA Federal Savings Bank in Montana vs the state
26.9%Denial rate+12.12 pts vs state
36.6%Decision denial rate+17.92 pts vs state
46.1%Origination rate-15.87 pts vs state
6.38%Median rate-0.25 pts vs state
-0.22Rate spread (pts)-0.46 pts vs state
$123kMedian applicant income
89Loans originated
52Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 79 | 19.4% | 6.50% | #38 |
| 2024 | 198 | 85 | 26.8% | 6.50% | #44 |
| 2025 | 193 | 89 | 26.9% | 6.38% | #49 |
What USAA Federal Savings Bank lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 28 | 12 | 7 | 25.0% |
| Cascade County | 23 | 11 | 5 | 21.7% |
| Flathead County | 17 | 11 | 3 | 17.6% |
| Lewis and Clark County | 17 | 8 | 5 | 29.4% |
| Gallatin County | 15 | 9 | 2 | 13.3% |
| Missoula County | 13 | 3 | 4 | 30.8% |
| Lincoln County | 8 | 3 | 3 | 37.5% |
| Ravalli County | 7 | 2 | 1 | 14.3% |
| Broadwater County | 6 | 2 | 4 | 66.7% |
| Stillwater County | 5 | 3 | 1 | 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% |
| 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: 193 applications in 2025, of which 89 were originated and 52 denied.
26.9% of all applications, or 36.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans USAA Federal Savings Bank originated in Montana in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are USAA 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