Glacier County
Montana · FIPS 30035
According to CFPB HMDA 2024 application volume among U.S. counties, Glacier County ranks #2,721 of 3,210, and #29 of 56 in Montana.
Mortgage lending activity in Glacier 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. Glacier County, Montana saw 150 HMDA-reported mortgage applications in 2024. Lenders originated 74 of those loans and denied 38, producing a denial rate of 25.3% and an approval (origination) rate of 49.3%. The average loan amount was $140,400 at an average note rate of 7.17%, with applicants self-reporting average annual income of $33K. 29 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 Glacier County
In Glacier County, lead originator Stockman Bank of Montana funded 35.1% of 74 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 48.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Glacier County's 150 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Glacier County's $140,400 average loan (deduped against volume peers).
Lenders active in Glacier County
Stockman Bank of Montana funded 26 of the 74 loans originated in Glacier County, 35.1% of the county. 29 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Stockman Bank of Montana | 26 | 35.1% |
| 2 | First Interstate Bank | 6 | 8.1% |
| 3 | Rocket Mortgage | 4 | 5.4% |
| 4 | Guild Mortgage Company | 4 | 5.4% |
| 5 | Nationstar Mortgage | 3 | 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 Glacier 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 Glacier 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.