Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Flathead County, Montana
Every institution that decided a 1–4 unit mortgage application in Flathead County, home to Kalispell, between 2023 and 2025: 7,444 applications, 5,782 loans actually funded, across 8 kinds of borrowing.
Flathead County at a glance
7,444Applications decided
2023–2025
5,782Loans funded
78% of decisions
32Census tracts
9 ZIP codes
108,445People
ACS 2023
What the data shows
Lenders approved 83.4% of home-purchase applications in Flathead County, 5.0 points below the Montana rate.
The typical purchase mortgage here is $435K.
Home improvement loans is the hardest money to get here: lenders approved 65% of 707 applications.
Lending by loan type in Flathead County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.4% | 3,319 | $435K | 98% | 206 |
| Home improvement loans | 64.6% | 707 | $105K | 96% | 51 |
| Cash-out refinance | 72.7% | 1,233 | $275K | 98% | 125 |
| Refinance | 82.4% | 1,019 | $405K | 96% | 116 |
| Investment property purchase | 88.1% | 802 | $495K | 97% | 168 |
| Investment cash-out refinance | 71.5% | 116 | $335K | 94% | 54 |
| Investment refinance | 84.0% | 150 | $355K | 96% | 61 |
| Investment home improvement | 65.3% | 98 | $105K | 98% | 32 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.