Village Capital & Investment in Montana vs the state
22.7%Denial rate+7.86 pts vs state
28.2%Decision denial rate+9.51 pts vs state
36.1%Origination rate-25.90 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$91kMedian applicant income
35Loans originated
22Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 9 | 19.6% | 5.75% | #80 |
| 2024 | 65 | 26 | 16.9% | 5.75% | #73 |
| 2025 | 97 | 35 | 22.7% | 5.75% | #65 |
What Village Capital & Investment lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yellowstone County | 26 | 13 | 5 | 19.2% |
| Cascade County | 10 | 3 | 2 | 20.0% |
| Flathead County | 9 | 4 | 1 | 11.1% |
| Lincoln County | 6 | 3 | 1 | 16.7% |
| Lewis and Clark County | 5 | 0 | 3 | 60.0% |
| Lake County | 4 | 0 | 3 | 75.0% |
| Missoula County | 4 | 1 | 0 | 0.0% |
| Stillwater County | 4 | 1 | 1 | 25.0% |
| Ravalli County | 4 | 0 | 2 | 50.0% |
| Fergus 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: 97 applications in 2025, of which 35 were originated and 22 denied.
22.7% of all applications, or 28.2% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans Village Capital & Investment originated in Montana in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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