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2024 data HMDA 2024 disclosure official source

Flathead County

3,755 mortgage applications, 16.6% denial rate. Verify FIPS 30029 with U.S. Census Bureau →

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Montana · FIPS 30029

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.

FIPS 30029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,755
Applications
2,025
Originated
16.6%
Denial Rate
53.9%
Approval Rate
$435,945
Avg Loan Amount
7.25%
Avg Interest Rate
$39K
Avg Applicant Income
11.2x
Loan-to-Income Ratio

Nearby Lenders in Flathead County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Glacier Bank vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Flathead County?
In the 2024 HMDA reporting year, 3,755 mortgage applications were filed in Flathead County, Montana. Of these, 2,025 were originated (approved and funded), while 622 were denied, resulting in a denial rate of 16.6%.
What is the mortgage denial rate in Flathead County?
The mortgage denial rate in Flathead County is 16.6%. The approval (origination) rate is 53.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Flathead County?
The average mortgage loan amount in Flathead County is $435,945. The average interest rate is 7.250%. The average applicant income is $39K.
What is the loan-to-income ratio in Flathead County?
The average loan-to-income ratio in Flathead County is 11.2x, meaning borrowers took on loans averaging 11.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Flathead County?
The top mortgage lenders in Flathead County by origination volume are Glacier Bank, United Wholesale Mortgage, Crosscountry Mortgage, LLC. In total, 202 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.