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Missoula County, Montana
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Missoula County, Montana, saw 2,980 HMDA-reported applications and 1,861 originations ($707m) in 2024.
That is 35.3 originations per 1,000 households, against 42.4 for Montana and 48.0 nationally.
The county's denial rate was 20.5%, close to the state rate of 20.9%. The median rate spread on originated loans was 0.4 percentage points and 17.8% of originations were 1.5 points or more above the average prime offer rate.
27 lenders reached 25 applications in the county; the most active by originations were Glacier Bank (195), Opportunity Bank of Montana (144) and Clearwater Federal Credit Union (142).
Originations were about level with 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 27. Denial rate is denials over decided applications in this county.
Compared with Montana and the nation
| Measure | This county | Montana | United States |
|---|---|---|---|
| Denial rate | 20.5% | 20.9% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.8% | 13.8% | 15.6% |
| Average originated loan | $380k | $348k | $329k |
| Originations per 1,000 households | 35.3 | 42.4 | 48.0 |
| Home purchase share of originations | 50.9% | 54.8% | 57.0% |
| FHA-insured share | 5.2% | 10.4% | 13.4% |
| VA-guaranteed share | 6.6% | 11.1% | 7.9% |
Rate spread distribution
Share of 1,620 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Montana). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 51% (948)Home improvement 15% (276)Refinancing 13% (249)Cash-out refinancing 10% (189)Other purpose 11% (199)
By type
Conventional 88% (1,643)FHA 5% (96)VA 7% (122)
Trend by year
ApplicationsOriginations
This countyMontana
Questions and answers
Which lenders are most active in Missoula County, MT?
By 2024 originations: Glacier Bank (195), Opportunity Bank of Montana (144), Clearwater Federal Credit Union (142), First Interstate Bank (126), Stockman Bank of Montana (123). 27 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Missoula County?
20.5% of decided applications were denied in 2024, against 20.9% across Montana and 24.3% nationally.
How many mortgages were originated in Missoula County in 2024?
1,861 loans totalling $707m, from 2,980 applications; 35.3 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 30063; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.