Flathead County
Montana · FIPS 30029
According to CFPB HMDA 2024 application volume among U.S. counties, Flathead County ranks #615 of 3,210, and #3 of 56 in Montana.
Mortgage lending activity in Flathead 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. Flathead County, Montana saw 3,755 HMDA-reported mortgage applications in 2024. Lenders originated 2,025 of those loans and denied 622, producing a denial rate of 16.6% and an approval (origination) rate of 53.9%. The average loan amount was $435,945 at an average note rate of 7.25%, with applicants self-reporting average annual income of $39K. 202 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.2x, meaning typical borrowers took on mortgages of about 11.2 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 Flathead County
In Flathead County, lead originator Glacier Bank funded 13.2% of 2,025 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.5% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Flathead County's 3,755 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Flathead County's $435,945 average loan (deduped against volume peers).
Lenders active in Flathead County
Glacier Bank funded 268 of the 2,025 loans originated in Flathead County, 13.2% of the county. 202 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glacier Bank | 268 | 13.2% |
| 2 | United Wholesale Mortgage | 268 | 13.2% |
| 3 | Crosscountry Mortgage, LLC | 183 | 9.0% |
| 4 | Rocket Mortgage | 126 | 6.2% |
| 5 | First Interstate Bank | 77 | 3.8% |
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 Flathead 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 Flathead 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.