Lewis and Clark County
Montana · FIPS 30049
According to CFPB HMDA 2024 application volume among U.S. counties, Lewis and Clark County ranks #785 of 3,210, and #6 of 56 in Montana.
Mortgage lending activity in Lewis and Clark 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lewis and Clark County
In Lewis and Clark County, lead originator Evergreen Moneysource Mortgage Company funded 11.8% of 1,469 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lewis and Clark County's 2,606 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lewis and Clark County's $308,008 average loan (deduped against volume peers).
Lenders active in Lewis and Clark County
Evergreen Moneysource Mortgage Company funded 173 of the 1,469 loans originated in Lewis and Clark County, 11.8% of the county. 147 lenders reported activity here.
| # | 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% |
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 Lewis and Clark 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 Lewis and Clark 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.