V.i.p. Mortgage in Montana vs the state
5.0%Denial rate-9.82 pts vs state
5.6%Decision denial rate-13.14 pts vs state
82.5%Origination rate+20.52 pts vs state
6.25%Median rate-0.38 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$121kMedian applicant income
33Loans originated
2Denied
Trend in Montana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 15 | 5.3% | 7.37% | #118 |
| 2024 | 18 | 14 | 0.0% | 6.81% | #131 |
| 2025 | 40 | 33 | 5.0% | 6.25% | #108 |
What V.i.p. Mortgage lends in Montana
By loan purpose
By loan type
Why it denied Montana applicants
Where in Montana
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Missoula County | 13 | 12 | 0 | 0.0% |
| Flathead County | 6 | 6 | 0 | 0.0% |
| Lewis and Clark County | 5 | 4 | 0 | 0.0% |
| Ravalli County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Richland County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| Deer Lodge County | 1 | 0 | 0 | 0.0% |
| Powell County | 1 | 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: 40 applications in 2025, of which 33 were originated and 2 denied.
5.0% of all applications, or 5.6% of the applications it actually decided on. The Montana statewide average across all lenders was 14.8%.
The median rate on loans V.i.p. Mortgage originated in Montana in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. Mortgage'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