Treasure County
Montana · FIPS 30103
According to CFPB HMDA 2024 application volume among U.S. counties, Treasure County ranks #3,180 of 3,223, and #50 of 56 in Montana.
Mortgage lending activity in Treasure 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. Treasure County, Montana lenders denied 1 of the applications reported here, financing the rest at an average note rate of 7.44%, with applicants self-reporting average annual income of $33K. 7 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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 Treasure County
In Treasure County, lead originator Usaa Bank funded 14.3% of 7 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 42.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Treasure County's 13 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Treasure County's $267,308 average loan (deduped against volume peers).
Lenders active in Treasure County
Usaa Bank funded 1 of the 7 loans originated in Treasure County, 14.3% of the county. 7 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Usaa Bank | 1 | 14.3% |
| 2 | Everett Financial, INC. | 1 | 14.3% |
| 3 | Valley Financial Credit Union | 1 | 14.3% |
| 4 | Bankwest, INC. | 1 | 14.3% |
| 5 | Glacier Bank | 1 | 14.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Treasure 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 Treasure 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.