Missoula County
Montana · FIPS 30063
According to CFPB HMDA 2024 application volume among U.S. counties, Missoula County ranks #681 of 3,223, and #4 of 56 in Montana.
Mortgage lending activity in Missoula 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. Missoula County, Montana lenders denied 491 of the applications reported here, financing the rest at an average note rate of 7.39%, with applicants self-reporting average annual income of $38K. 141 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.2x, meaning typical borrowers took on mortgages of about 9.2 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 Missoula County
In Missoula County, lead originator Glacier Bank funded only 10.5% of 1,860 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Missoula County's 3,324 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Missoula County's $347,981 average loan (deduped against volume peers).
Lenders active in Missoula County
Glacier Bank funded 195 of the 1,860 loans originated in Missoula County, 10.5% of the county. 141 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glacier Bank | 195 | 10.5% |
| 2 | Opportunity Bank of Montana | 144 | 7.7% |
| 3 | Clearwater Federal Credit Union | 142 | 7.6% |
| 4 | First Interstate Bank | 126 | 6.8% |
| 5 | Stockman Bank of Montana | 123 | 6.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Missoula 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 Missoula 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.