Granite County
Montana · FIPS 30039
According to CFPB HMDA 2024 application volume among U.S. counties, Granite County ranks #2,839 of 3,223, and #35 of 56 in Montana.
Mortgage lending activity in Granite 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. Granite County, Montana lenders denied 12 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Granite County
In Granite County, lead originator Glacier Bank funded only 7.3% of 55 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Granite County's 106 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Granite County's $385,755 average loan (deduped against volume peers).
Lenders active in Granite County
Glacier Bank funded 4 of the 55 loans originated in Granite County, 7.3% of the county. 33 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Granite County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Granite County borrowers. 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.