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2024 data HMDA 2024 disclosure official source

Sweet Grass County

90 mortgage applications, 20.0% denial rate. Verify FIPS 30097 with U.S. Census Bureau →

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Montana · FIPS 30097

Local mortgage market. Sweet Grass County, Montana saw 90 HMDA-reported mortgage applications in 2024. Lenders originated 41 of those loans and denied 18, producing a denial rate of 20.0% and an approval (origination) rate of 45.6%. The average loan amount was $403,222 at an average note rate of 6.80%, with applicants self-reporting average annual income of $38K. 21 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.6x, meaning typical borrowers took on mortgages of about 10.6 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 30097 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

90
Applications
41
Originated
20.0%
Denial Rate
45.6%
Approval Rate
$403,222
Avg Loan Amount
6.80%
Avg Interest Rate
$38K
Avg Applicant Income
10.6x
Loan-to-Income Ratio

Nearby Lenders in Sweet Grass 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 11 26.8%
2 Cornerstone Capital Bank, SSB 5 12.2%
3 Carrington Mortgage Services L 3 7.3%
4 American Pacific Mortgage Corporation 2 4.9%
5 Mortgage Research Center 2 4.9%
Compare Opportunity Bank of Montana vs Cornerstone Capital Bank, SSB →

Frequently Asked Questions

How many mortgage applications were filed in Sweet Grass County?
In the 2024 HMDA reporting year, 90 mortgage applications were filed in Sweet Grass County, Montana. Of these, 41 were originated (approved and funded), while 18 were denied, resulting in a denial rate of 20.0%.
What is the mortgage denial rate in Sweet Grass County?
The mortgage denial rate in Sweet Grass County is 20.0%. The approval (origination) rate is 45.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sweet Grass County?
The average mortgage loan amount in Sweet Grass County is $403,222. The average interest rate is 6.803%. The average applicant income is $38K.
What is the loan-to-income ratio in Sweet Grass County?
The average loan-to-income ratio in Sweet Grass County is 10.6x, meaning borrowers took on loans averaging 10.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sweet Grass County?
The top mortgage lenders in Sweet Grass County by origination volume are Opportunity Bank of Montana, Cornerstone Capital Bank, SSB, Carrington Mortgage Services L. In total, 21 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.