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2024 data HMDA 2024 disclosure official source

Roosevelt County

128 mortgage applications, 21.9% denial rate. Verify FIPS 30085 with U.S. Census Bureau →

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Montana · FIPS 30085

Local mortgage market. Roosevelt County, Montana saw 128 HMDA-reported mortgage applications in 2024. Lenders originated 62 of those loans and denied 28, producing a denial rate of 21.9% and an approval (origination) rate of 48.4%. The average loan amount was $127,500 at an average note rate of 7.11%, with applicants self-reporting average annual income of $33K. 18 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 30085 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

128
Applications
62
Originated
21.9%
Denial Rate
48.4%
Approval Rate
$127,500
Avg Loan Amount
7.11%
Avg Interest Rate
$33K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Roosevelt 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 14 22.6%
2 Stockman Bank of Montana 9 14.5%
3 Mortgage Research Center 8 12.9%
4 Independence Bank 6 9.7%
5 Click n' Close, Inc. 5 8.1%
Compare Opportunity Bank of Montana vs Stockman Bank of Montana →

Frequently Asked Questions

How many mortgage applications were filed in Roosevelt County?
In the 2024 HMDA reporting year, 128 mortgage applications were filed in Roosevelt County, Montana. Of these, 62 were originated (approved and funded), while 28 were denied, resulting in a denial rate of 21.9%.
What is the mortgage denial rate in Roosevelt County?
The mortgage denial rate in Roosevelt County is 21.9%. The approval (origination) rate is 48.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Roosevelt County?
The average mortgage loan amount in Roosevelt County is $127,500. The average interest rate is 7.106%. The average applicant income is $33K.
What is the loan-to-income ratio in Roosevelt County?
The average loan-to-income ratio in Roosevelt County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Roosevelt County?
The top mortgage lenders in Roosevelt County by origination volume are Opportunity Bank of Montana, Stockman Bank of Montana, Mortgage Research Center. In total, 18 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.