MT · Statewide HMDA 2024
Montana mortgage lending
According to the CFPB HMDA 2024 Snapshot, 447 reporting lenders · 56 counties · 5 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Montana ranks #44 of 54 by application volume but #20 of 52 states with 10,000+ applications on origination share (54.6%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #20
- Origination-share rank of 52
- 54.6%
- Origination share
- 19,432
- Originated
- 15.0%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
35,594reported applications
CFPB HMDA state filing plate
State MT · Montana 15.0% denial
VOL-TRACE · DEN-LIGHT · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-TRACE #44/54
- DEN-LIGHT 15.0%
- NEAR-PEER Oregon
- ORIG-FLOOR 54.6%
- BOOK-FULL 447 lenders
- LEAD-MIX 10% top
Photo-finish peer: Oregon · 15.2% denial (+0.2pp vs Montana)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Montana
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Montana: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.0% here).
Similar application volume
Nearest states by HMDA applications filed (35,594 here).
Top lenders by originations · Montana
Funded loans among HMDA-reporting institutions active in this state.
Where Montana sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
35,594 19th percentile higher than 19% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Montana
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Montana filed 35,594 HMDA-reported applications in 2024 (#44 of 54 by volume) with a 15.0% denial rate - 2.2pp below the national 17.2% baseline. White applicants (25,863 apps) show 15.7% denial; Joint applicants (730 apps) show 14.3% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Montana
Top HMDA-reporting lenders active in Montana. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Stockman Bank of Montana | 1,994 | 10.3% |
| 2 | Glacier Bank | 1,655 | 8.5% |
| 3 | Rocket Mortgage | 1,066 | 5.5% |
| 4 | United Wholesale Mortgage | 1,044 | 5.4% |
| 5 | Opportunity Bank of Montana | 1,036 | 5.3% |
Reported outcomes by applicant race in Montana
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 25,863 | 61.8% | 15.7% |
| Joint | 730 | 58.9% | 14.3% |
| American Indian or Alaska Native | 493 | 45.6% | 28.2% |
| Asian | 244 | 57.0% | 18.4% |
| Black or African American | 129 | 50.4% | 17.8% |
| Native Hawaiian or Other Pacific Islander | 34 | 52.9% | 20.6%sample too small to read |
| 2 or more minority races | 28 | 57.1% | 35.7%sample too small to read |
Every county in Montana, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Yellowstone County | 6,445 | 3,753 | 14.0% | $255,754 |
| Gallatin County | 4,075 | 2,265 | 13.9% | $512,242 |
| Flathead County | 3,755 | 2,025 | 16.6% | $435,945 |
| Missoula County | 3,324 | 1,860 | 14.8% | $347,981 |
| Cascade County | 3,111 | 1,700 | 11.6% | $262,930 |
| Lewis and Clark County | 2,606 | 1,469 | 12.5% | $308,008 |
| Ravalli County | 1,444 | 736 | 17.3% | $345,852 |
| Silver Bow County | 1,234 | 688 | 14.0% | $211,580 |
| Lake County | 842 | 414 | 16.4% | $375,249 |
| Lincoln County | 696 | 360 | 19.0% | $276,753 |
| Park County | 614 | 309 | 17.1% | $350,749 |
| Jefferson County | 511 | 254 | 17.8% | $315,978 |
| Madison County | 490 | 269 | 15.9% | $1,033,755 |
| Carbon County | 467 | 271 | 15.2% | $295,493 |
| Broadwater County | 438 | 235 | 13.9% | $325,205 |
| Sanders County | 433 | 188 | 24.5% | $260,473 |
| Hill County | 392 | 234 | 13.5% | $172,806 |
| Stillwater County | 371 | 209 | 14.0% | $285,863 |
| Deer Lodge County | 363 | 175 | 20.4% | $197,810 |
| Fergus County | 295 | 166 | 15.6% | $206,729 |
| Custer County | 275 | 153 | 12.0% | $167,764 |
| Richland County | 266 | 151 | 13.9% | $203,158 |
| Beaverhead County | 229 | 120 | 13.1% | $266,572 |
| Teton County | 213 | 107 | 12.7% | $222,512 |
| Dawson County | 210 | 101 | 18.1% | $151,143 |
| Mineral County | 200 | 94 | 22.0% | $261,000 |
| Powell County | 177 | 87 | 14.1% | $312,458 |
| Musselshell County | 166 | 77 | 21.7% | $207,229 |
| Glacier County | 150 | 74 | 25.3% | $140,400 |
| Valley County | 148 | 85 | 15.5% | $171,216 |
| Rosebud County | 140 | 71 | 18.6% | $168,714 |
| Pondera County | 134 | 77 | 14.9% | $178,582 |
| Big Horn County | 131 | 61 | 20.6% | $220,344 |
| Roosevelt County | 128 | 62 | 21.9% | $127,500 |
| Granite County | 106 | 55 | 11.3% | $385,755 |
| Sweet Grass County | 90 | 41 | 20.0% | $403,222 |
| Toole County | 88 | 48 | 13.6% | $190,682 |
| Chouteau County | 84 | 49 | 15.5% | $186,429 |
| Blaine County | 83 | 39 | 25.3% | $142,831 |
| Phillips County | 72 | 39 | 19.4% | $144,722 |
| Meagher County | 64 | 31 | 12.5% | $275,000 |
| Fallon County | 61 | 32 | 16.4% | $177,623 |
| Sheridan County | 58 | 28 | 13.8% | $149,310 |
| Wheatland County | 52 | 24 | 23.1% | $175,962 |
| Judith Basin County | 42 | 25 | 11.9% | $192,143 |
| Daniels County | 34 | 19 | 32.4% | $146,176 |
| Liberty County | 27 | 14 | 14.8% | $138,333 |
| McCone County | 17 | 8 | 17.6% | $193,235 |
| Treasure County | 13 | 7 | 7.7% | $267,308 |
| Golden Valley County | 13 | 6 | 30.8% | $223,462 |
| Wibaux County | 13 | 4 | 46.1% | $124,231 |
| Powder River County | 12 | 5 | 41.7% | $196,667 |
| Garfield County | 12 | 4 | 16.7% | $203,333 |
| Carter County | 10 | 5 | 30.0% | $125,000 |
| Petroleum County | 8 | 3 | 0.0% | $330,000 |
| Prairie County | 7 | 4 | 14.3% | $89,286 |
Metro Areas in Montana
Frequently Asked Questions
How many mortgage applications were filed in Montana?
Where does Montana sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Montana?
What is the average mortgage loan amount in Montana?
How many mortgage lenders operate in Montana?
How do mortgage denial rates vary by demographics in Montana?
Which counties in Montana have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.