Liberty County
Montana · FIPS 30051
According to CFPB HMDA 2024 application volume among U.S. counties, Liberty County ranks #3,126 of 3,223, and #47 of 56 in Montana.
Mortgage lending activity in Liberty 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. Liberty County, Montana lenders denied 4 of the applications reported here, financing the rest at an average note rate of 6.92%, with applicants self-reporting average annual income of $37K. 11 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 Liberty County
In Liberty County, lead originator Glacier Bank funded 21.4% of 14 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 42.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Liberty County's 27 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Liberty County's $138,333 average loan (deduped against volume peers).
Lenders active in Liberty County
Glacier Bank funded 3 of the 14 loans originated in Liberty County, 21.4% of the county. 11 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glacier Bank | 3 | 21.4% |
| 2 | Altana Federal Credit Union | 2 | 14.3% |
| 3 | Northpointe Bank | 1 | 7.1% |
| 4 | Us Bank, N.A. | 1 | 7.1% |
| 5 | Guaranteed Rate, INC. | 1 | 7.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Liberty 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 Liberty 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.