PlainLender
2024 data HMDA 2024 disclosure official source

Park County

614 mortgage applications, 17.1% denial rate. Verify FIPS 30067 with U.S. Census Bureau →

PlainLender home → About this data

Montana · FIPS 30067

Local mortgage market. Park County, Montana saw 614 HMDA-reported mortgage applications in 2024. Lenders originated 309 of those loans and denied 105, producing a denial rate of 17.1% and an approval (origination) rate of 50.3%. The average loan amount was $350,749 at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 76 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.

FIPS 30067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

614
Applications
309
Originated
17.1%
Denial Rate
50.3%
Approval Rate
$350,749
Avg Loan Amount
7.26%
Avg Interest Rate
$38K
Avg Applicant Income
9.2x
Loan-to-Income Ratio

Nearby Lenders in Park 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 Opportunity Bank of Montana 56 18.1%
2 First Interstate Bank 34 11.0%
3 Rocket Mortgage 22 7.1%
4 Stockman Bank of Montana 16 5.2%
5 United Wholesale Mortgage 14 4.5%
Compare Opportunity Bank of Montana vs First Interstate Bank →

Frequently Asked Questions

How many mortgage applications were filed in Park County?
In the 2024 HMDA reporting year, 614 mortgage applications were filed in Park County, Montana. Of these, 309 were originated (approved and funded), while 105 were denied, resulting in a denial rate of 17.1%.
What is the mortgage denial rate in Park County?
The mortgage denial rate in Park County is 17.1%. The approval (origination) rate is 50.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Park County?
The average mortgage loan amount in Park County is $350,749. The average interest rate is 7.264%. The average applicant income is $38K.
What is the loan-to-income ratio in Park County?
The average loan-to-income ratio in Park County is 9.2x, meaning borrowers took on loans averaging 9.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Park County?
The top mortgage lenders in Park County by origination volume are Opportunity Bank of Montana, First Interstate Bank, Rocket Mortgage. In total, 76 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.