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2024 data HMDA 2024 disclosure official source

Lewis and Clark County

2,606 mortgage applications, 12.5% denial rate. Verify FIPS 30049 with U.S. Census Bureau →

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Montana · FIPS 30049

Local mortgage market. Lewis and Clark County, Montana saw 2,606 HMDA-reported mortgage applications in 2024. Lenders originated 1,469 of those loans and denied 326, producing a denial rate of 12.5% and an approval (origination) rate of 56.4%. The average loan amount was $308,008 at an average note rate of 7.27%, with applicants self-reporting average annual income of $38K. 147 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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 30049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,606
Applications
1,469
Originated
12.5%
Denial Rate
56.4%
Approval Rate
$308,008
Avg Loan Amount
7.27%
Avg Interest Rate
$38K
Avg Applicant Income
8.1x
Loan-to-Income Ratio

Nearby Lenders in Lewis and Clark 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 Evergreen Moneysource Mortgage Company 173 11.8%
2 Glacier Bank 150 10.2%
3 Stockman Bank of Montana 132 9.0%
4 Opportunity Bank of Montana 110 7.5%
5 Rocket Mortgage 69 4.7%
Compare Evergreen Moneysource Mortgage Company vs Glacier Bank →

Frequently Asked Questions

How many mortgage applications were filed in Lewis and Clark County?
In the 2024 HMDA reporting year, 2,606 mortgage applications were filed in Lewis and Clark County, Montana. Of these, 1,469 were originated (approved and funded), while 326 were denied, resulting in a denial rate of 12.5%.
What is the mortgage denial rate in Lewis and Clark County?
The mortgage denial rate in Lewis and Clark County is 12.5%. The approval (origination) rate is 56.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lewis and Clark County?
The average mortgage loan amount in Lewis and Clark County is $308,008. The average interest rate is 7.269%. The average applicant income is $38K.
What is the loan-to-income ratio in Lewis and Clark County?
The average loan-to-income ratio in Lewis and Clark County is 8.1x, meaning borrowers took on loans averaging 8.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lewis and Clark County?
The top mortgage lenders in Lewis and Clark County by origination volume are Evergreen Moneysource Mortgage Company, Glacier Bank, Stockman Bank of Montana. In total, 147 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.