Sweet Grass County
Montana · FIPS 30097
According to CFPB HMDA 2024 application volume among U.S. counties, Sweet Grass County ranks #2,887 of 3,210, and #36 of 56 in Montana.
Mortgage lending activity in Sweet Grass 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sweet Grass County
In Sweet Grass County, lead originator Opportunity Bank of Montana funded 26.8% of 41 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 46.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Sweet Grass County's 90 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sweet Grass County's $403,222 average loan (deduped against volume peers).
Lenders active in Sweet Grass County
Opportunity Bank of Montana funded 11 of the 41 loans originated in Sweet Grass County, 26.8% of the county. 21 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Sweet Grass County borrowers.
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 Sweet Grass County 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. 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.