Carter County
Montana · FIPS 30011
According to CFPB HMDA 2024 application volume among U.S. counties, Carter County ranks #3,193 of 3,223, and #54 of 56 in Montana.
Mortgage lending activity in Carter County, Montana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Carter County, Montana lenders denied 3 of the applications reported here, financing the rest at an average note rate of 5.96%, with applicants self-reporting average annual income of $29K. 4 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Carter County
In Carter County, lead originator Pioneer Bank & Trust funded 40.0% of 5 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 80.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Carter County's 10 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Carter County's $125,000 average loan (deduped against volume peers).
Lenders active in Carter County
Pioneer Bank & Trust funded 2 of the 5 loans originated in Carter County, 40.0% of the county. 4 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Pioneer Bank & Trust | 2 | 40.0% |
| 2 | Rocket Mortgage | 1 | 20.0% |
| 3 | Loandepot.Com, LLC | 1 | 20.0% |
| 4 | Black Hills Federal Credit Union | 1 | 20.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Carter County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Carter County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.