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2024 data HMDA 2024 disclosure official source

Yellowstone County

6,445 mortgage applications, 14.0% denial rate. Verify FIPS 30111 with U.S. Census Bureau →

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Montana · FIPS 30111

Local mortgage market. Yellowstone County, Montana saw 6,445 HMDA-reported mortgage applications in 2024. Lenders originated 3,753 of those loans and denied 901, producing a denial rate of 14.0% and an approval (origination) rate of 58.2%. The average loan amount was $255,754 at an average note rate of 7.07%, with applicants self-reporting average annual income of $38K. 170 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.

FIPS 30111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,445
Applications
3,753
Originated
14.0%
Denial Rate
58.2%
Approval Rate
$255,754
Avg Loan Amount
7.07%
Avg Interest Rate
$38K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Yellowstone 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 Stockman Bank of Montana 459 12.2%
2 Altana Federal Credit Union 296 7.9%
3 Evergreen Moneysource Mortgage Company 273 7.3%
4 Valley Financial Credit Union 256 6.8%
5 Glacier Bank 201 5.4%
Compare Stockman Bank of Montana vs Altana Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Yellowstone County?
In the 2024 HMDA reporting year, 6,445 mortgage applications were filed in Yellowstone County, Montana. Of these, 3,753 were originated (approved and funded), while 901 were denied, resulting in a denial rate of 14.0%.
What is the mortgage denial rate in Yellowstone County?
The mortgage denial rate in Yellowstone County is 14.0%. The approval (origination) rate is 58.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Yellowstone County?
The average mortgage loan amount in Yellowstone County is $255,754. The average interest rate is 7.067%. The average applicant income is $38K.
What is the loan-to-income ratio in Yellowstone County?
The average loan-to-income ratio in Yellowstone County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Yellowstone County?
The top mortgage lenders in Yellowstone County by origination volume are Stockman Bank of Montana, Altana Federal Credit Union, Evergreen Moneysource Mortgage Company. In total, 170 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.