Petroleum County
Montana · FIPS 30069
According to CFPB HMDA 2024 application volume among U.S. counties, Petroleum County ranks #3,201 of 3,223, and #55 of 56 in Montana.
Mortgage lending activity in Petroleum 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. Petroleum County, Montana lenders denied 0 of the applications reported here, financing the rest at an average note rate of 6.75%, with applicants self-reporting average annual income of $35K. 3 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.4x, meaning typical borrowers took on mortgages of about 9.4 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 Petroleum County
In Petroleum County, lead originator Bell Bank funded 33.3% of 3 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 100.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Petroleum County's 8 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Petroleum County's $330,000 average loan (deduped against volume peers).
Lenders active in Petroleum County
Bell Bank funded 1 of the 3 loans originated in Petroleum County, 33.3% of the county. 3 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bell Bank | 1 | 33.3% |
| 2 | Stockman Bank of Montana | 1 | 33.3% |
| 3 | Lower, LLC | 1 | 33.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Petroleum 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 Petroleum 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.