Sanders County
Montana · FIPS 30089
According to CFPB HMDA 2024 application volume among U.S. counties, Sanders County ranks #2,122 of 3,223, and #16 of 56 in Montana.
Mortgage lending activity in Sanders 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. Sanders County, Montana lenders denied 106 of the applications reported here, financing the rest at an average note rate of 7.21%, with applicants self-reporting average annual income of $39K. 66 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 Sanders County
In Sanders County, lead originator Glacier Bank funded 18.6% of 188 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 34.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Sanders County's 433 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sanders County's $260,473 average loan (deduped against volume peers).
Lenders active in Sanders County
Glacier Bank funded 35 of the 188 loans originated in Sanders County, 18.6% of the county. 66 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Glacier Bank | 35 | 18.6% |
| 2 | Rocket Mortgage | 16 | 8.5% |
| 3 | Kind Lending, LLC | 13 | 6.9% |
| 4 | Stockman Bank of Montana | 12 | 6.4% |
| 5 | United Wholesale Mortgage | 8 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sanders 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 Sanders 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.