Largest lenders in Lake County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Glacier Bank | D | 155 | 94 | 16.1% | 7.25% |
| 2 | United Shore Financial Services | B | 64 | 48 | 7.8% | 6.25% |
| 3 | First Interstate Bank | D | 52 | 35 | 21.2% | 8.13% |
| 4 | Rocket Mortgage | C | 47 | 29 | 27.7% | 6.99% |
| 5 | Crosscountry Mortgage | B | 45 | 29 | 2.2% | 6.58% |
| 6 | Pennymac Loan Services | C | 32 | 14 | 12.5% | 6.19% |
| 7 | Newrez | D | 26 | 11 | 23.1% | 6.88% |
| 8 | Stockman Bank of Montana | B | 18 | 12 | 5.6% | 7.18% |
| 9 | Mortgage Research Center | C | 18 | 9 | 16.7% | 6.13% |
| 10 | Loandepot.Com | D | 17 | 8 | 23.5% | 7.19% |
| 11 | Broker Solutions | D | 16 | 4 | 12.5% | 6.75% |
| 12 | Discover Bank | F | 15 | 2 | 66.7% | 7.62% |
| 13 | Kind Lending | C | 15 | 11 | 13.3% | 6.50% |
| 14 | Freedom Mortgage | B | 13 | 6 | 0.0% | 5.75% |
| 15 | Navy Federal Credit Union | D | 13 | 4 | 15.4% | 7.00% |
| 16 | TrailWest Bank | C | 13 | 10 | 7.7% | — |
| 17 | U.S. Bank | D | 12 | 10 | 8.3% | 6.81% |
| 18 | Guild Mortgage | A | 11 | 9 | 0.0% | 5.88% |
| 19 | Envoy Mortgage | D | 10 | 7 | 0.0% | 6.13% |
| 20 | Figure Lending | C | 10 | 4 | 30.0% | 8.68% |
| 21 | Bank of America | F | 9 | 6 | 11.1% | 5.56% |
| 22 | Spring Eq | D | 9 | 3 | 55.6% | 11.53% |
| 23 | Opportunity Bank of Montana | B | 9 | 6 | 0.0% | 6.94% |
| 24 | Barrington Bank & Trust Company | C | 8 | 5 | 0.0% | 6.25% |
| 25 | AmeriSave Mortgage | D | 8 | 1 | 87.5% | 8.63% |
Best approval odds in Lake County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 55 | 9.1% |
| 2 | Glacier Bank | 120 | 20.8% |
What Lake County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lake County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 630 | 339 | 22.4% | 7.25% | $275,000 |
| 2024 | 722 | 414 | 19.1% | 7.13% | $275,000 |
| 2025 | 899 | 509 | 17.8% | 6.75% | $305,000 |
Frequently asked questions
17.8% of applications in Lake County were denied in 2025, against 14.8% statewide in Montana.
Glacier Bank, with 155 applications in 2025 and a denial rate of 16.1%.
The median mortgage application in Lake County in 2025 was for $305,000; the median property value on originated loans was $625,000.