Largest lenders in Flathead County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 489 | 314 | 15.3% | 7.39% |
| 2 | United Shore Financial Services | B | 468 | 385 | 9.0% | 6.42% |
| 3 | Crosscountry Mortgage | B | 247 | 171 | 5.7% | 6.88% |
| 4 | Rocket Mortgage | C | 195 | 151 | 14.4% | 6.50% |
| 5 | Barrington Bank & Trust Company | C | 138 | 77 | 5.8% | 6.25% |
| 6 | Stockman Bank of Montana | B | 137 | 86 | 14.6% | 6.75% |
| 7 | First Interstate Bank | D | 127 | 79 | 22.8% | 8.25% |
| 8 | Kind Lending | C | 114 | 81 | 19.3% | 6.50% |
| 9 | Pennymac Loan Services | C | 99 | 57 | 13.1% | 6.50% |
| 10 | U.S. Bank | D | 89 | 46 | 29.2% | 7.48% |
| 11 | 21st Mortgage | F | 86 | 6 | 55.8% | 11.78% |
| 12 | TrailWest Bank | C | 80 | 63 | 10.0% | — |
| 13 | Envoy Mortgage | D | 77 | 61 | 0.0% | 6.63% |
| 14 | Plains Commerce Bank | B | 68 | 45 | 10.3% | 6.50% |
| 15 | Mortgage Research Center | C | 65 | 24 | 10.8% | 6.25% |
| 16 | Newrez | D | 63 | 30 | 11.1% | 6.75% |
| 17 | Calcon Mutual Mortgage | D | 62 | 52 | 4.8% | 5.93% |
| 18 | Freedom Mortgage | B | 58 | 24 | 8.6% | 6.19% |
| 19 | Navy Federal Credit Union | D | 57 | 28 | 21.1% | 7.75% |
| 20 | AmeriSave Mortgage | D | 51 | 15 | 54.9% | 8.38% |
| 21 | Figure Lending | C | 51 | 24 | 23.5% | 8.23% |
| 22 | Spring Eq | D | 50 | 17 | 40.0% | 7.80% |
| 23 | Lakeview Loan Servicing | C | 49 | 13 | 40.8% | 6.63% |
| 24 | Bank of America | F | 43 | 18 | 30.2% | 5.99% |
| 25 | Lower | C | 43 | 33 | 11.6% | 5.75% |
Best approval odds in Flathead County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Envoy Mortgage | 61 | 0.0% |
| 2 | Calcon Mutual Mortgage | 56 | 5.4% |
| 3 | Crosscountry Mortgage | 188 | 7.5% |
| 4 | Barrington Bank & Trust Company | 85 | 9.4% |
| 5 | United Shore Financial Services | 431 | 9.7% |
| 6 | TrailWest Bank | 71 | 11.3% |
| 7 | Plains Commerce Bank | 53 | 13.2% |
| 8 | Rocket Mortgage | 184 | 15.2% |
| 9 | Pennymac Loan Services | 74 | 17.6% |
| 10 | Stockman Bank of Montana | 110 | 18.2% |
What Flathead County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Flathead County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 3,055 | 1,752 | 19.6% | 7.05% | $325,000 |
| 2024 | 3,440 | 2,025 | 18.1% | 6.99% | $335,000 |
| 2025 | 4,197 | 2,585 | 15.6% | 6.63% | $375,000 |
Frequently asked questions
15.6% of applications in Flathead County were denied in 2025, against 14.8% statewide in Montana.
Glacier Bank, with 489 applications in 2025 and a denial rate of 15.3%.
The median mortgage application in Flathead County in 2025 was for $375,000; the median property value on originated loans was $665,000.