Mortgage lending in Carbon County, Montana
Lenders in Carbon County, Montana reported 480 mortgage applications for 2025, according to the CFPB.
480 mortgage applications and 303 loans originated in 2025; the denial rate was 18.3% of 382 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Billings, MT HUD Metro FMR Area.
- 480
- Applications
- 303
- Loans originated
- 18.3%
- Denial rate
- 70 denied of 382 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 480 | 303 |
| 2024 | 435 | 270 |
| 2023 | 387 | 230 |
| 2022 | 603 | 401 |
| 2021 | 908 | 589 |
| 2020 | 814 | 549 |
| 2019 | 545 | 353 |
| 2018 | 423 | 279 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bank of Bridger, N.A. | 32 | 37 |
| Altana Federal Credit Union | 23 | 40 |
| Rocket Mortgage | 20 | 26 |
| United Wholesale Mortgage | 20 | 28 |
| Glacier Bank | 18 | 25 |
| Evergreen Moneysource Mortgage Company | 14 | 22 |
| Stockman Bank of Montana | 12 | 22 |
| Guaranteed Rate, Inc. | 12 | 15 |
| Yellowstone Bank | 10 | 18 |
| First Interstate Bank | 10 | 19 |
| Valley Financial Credit Union | 9 | 11 |
| Opportunity Bank of Montana | 7 | 11 |
| US Bank, N.A. | 7 | 13 |
| Guild Mortgage Company | 6 | 8 |
| First Federal Bank & Trust | 5 | 6 |
| Pennymac Loan Services LLC | 5 | 6 |
| Little Horn State Bank | 4 | 4 |
| Mountain America Federal Credit Union | 4 | 6 |
| Lower, LLC | 4 | 5 |
| Bravera Bank | 4 | 4 |
| Wells Fargo Bank NA | 4 | 5 |
| New American Funding, LLC. | 3 | 9 |
| Kind Lending, LLC | 3 | 3 |
| Figure Lending LLC | 2 | 2 |
| Ark-LA-Tex Financial Services LLC | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| White | 388 | 16.4% of 310 decided |
| Joint | under 10 | |
| Free Form Text Only | under 10 | |
| Race Not Available | 82 | 26.6% of 64 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 378 | 16.3% of 301 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 85 | 22.1% of 68 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 145 | 17.9% of 106 decided |
| Female | 66 | 25.9% of 54 decided |
| Joint | 213 | 15.3% of 176 decided |
| Sex Not Available | 56 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 420 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved