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2024 data HMDA 2024 disclosure official source

Granite County

106 mortgage applications, 11.3% denial rate. Verify FIPS 30039 with U.S. Census Bureau →

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Montana · FIPS 30039

Local mortgage market. Granite County, Montana saw 106 HMDA-reported mortgage applications in 2024. Lenders originated 55 of those loans and denied 12, producing a denial rate of 11.3% and an approval (origination) rate of 51.9%. The average loan amount was $385,755 at an average note rate of 7.13%, with applicants self-reporting average annual income of $38K. 33 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.2x, meaning typical borrowers took on mortgages of about 10.2 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 30039 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

106
Applications
55
Originated
11.3%
Denial Rate
51.9%
Approval Rate
$385,755
Avg Loan Amount
7.13%
Avg Interest Rate
$38K
Avg Applicant Income
10.2x
Loan-to-Income Ratio

Nearby Lenders in Granite 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 4 7.3%
2 Us Bank, N.A. 3 5.5%
3 Mortgage Research Center 3 5.5%
4 Stockman Bank of Montana 3 5.5%
5 United Wholesale Mortgage 3 5.5%
Compare Glacier Bank vs Us Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Granite County?
In the 2024 HMDA reporting year, 106 mortgage applications were filed in Granite County, Montana. Of these, 55 were originated (approved and funded), while 12 were denied, resulting in a denial rate of 11.3%.
What is the mortgage denial rate in Granite County?
The mortgage denial rate in Granite County is 11.3%. The approval (origination) rate is 51.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Granite County?
The average mortgage loan amount in Granite County is $385,755. The average interest rate is 7.130%. The average applicant income is $38K.
What is the loan-to-income ratio in Granite County?
The average loan-to-income ratio in Granite County is 10.2x, meaning borrowers took on loans averaging 10.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Granite County?
The top mortgage lenders in Granite County by origination volume are Glacier Bank, Us Bank, N.A., Mortgage Research Center. In total, 33 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.