Cascade County
Montana · FIPS 30013
According to CFPB HMDA 2024 application volume among U.S. counties, Cascade County ranks #699 of 3,210, and #5 of 56 in Montana.
Mortgage lending activity in Cascade 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. Cascade County, Montana saw 3,111 HMDA-reported mortgage applications in 2024. Lenders originated 1,700 of those loans and denied 362, producing a denial rate of 11.6% and an approval (origination) rate of 54.6%. The average loan amount was $262,930 at an average note rate of 6.88%, with applicants self-reporting average annual income of $39K. 125 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 Cascade County
In Cascade County, lead originator Stockman Bank of Montana funded 20.3% of 1,700 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 39.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Cascade County's 3,111 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cascade County's $262,930 average loan (deduped against volume peers).
Lenders active in Cascade County
Stockman Bank of Montana funded 345 of the 1,700 loans originated in Cascade County, 20.3% of the county. 125 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Stockman Bank of Montana | 345 | 20.3% |
| 2 | Opportunity Bank of Montana | 210 | 12.4% |
| 3 | Fairway Independent Mort CORP | 117 | 6.9% |
| 4 | Montana Federal Credit Union | 94 | 5.5% |
| 5 | Rocket Mortgage | 69 | 4.1% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Cascade County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Cascade County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.