Lincoln County
Montana · FIPS 30053
According to CFPB HMDA 2024 application volume among U.S. counties, Lincoln County ranks #1,737 of 3,210, and #10 of 56 in Montana.
Mortgage lending activity in Lincoln 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. Lincoln County, Montana saw 696 HMDA-reported mortgage applications in 2024. Lenders originated 360 of those loans and denied 132, producing a denial rate of 19.0% and an approval (origination) rate of 51.7%. The average loan amount was $276,753 at an average note rate of 7.26%, with applicants self-reporting average annual income of $37K. 84 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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 Lincoln County
In Lincoln County, lead originator Glacier Bank funded 26.1% of 360 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lincoln County's 696 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lincoln County's $276,753 average loan (deduped against volume peers).
Lenders active in Lincoln County
Glacier Bank funded 94 of the 360 loans originated in Lincoln County, 26.1% of the county. 84 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glacier Bank | 94 | 26.1% |
| 2 | Rocket Mortgage | 34 | 9.4% |
| 3 | Crosscountry Mortgage, LLC | 27 | 7.5% |
| 4 | United Wholesale Mortgage | 26 | 7.2% |
| 5 | Mortgage Research Center | 14 | 3.9% |
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 Lincoln 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 Lincoln 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.