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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Flathead County, Montana

Fat Boy Data analyzed home improvement loan activity in Flathead County, Montana to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 707 applications were decided by 51 lenders between 2023 and 2025.

Flathead County at a glance

51Active lenders9 with 20+ decisions
64.6%Market approval rate457 of 707 decided
$105KTypical loanmedian lender, $10K brackets
96%Borrower take-up438 loans funded

How Flathead County compares

Approval rate compared
Flathead County64.6%Montana72.2%All 616 counties62.7%
Typical loan compared
Flathead County$105KMontana$75KAll 616 counties$75K

What the data shows

Glacier Bank made the most home improvement loans in Flathead County, MT, 162 of them.

That is 37% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Stockman Bank of Montana approved the highest share of applications among lenders with at least 20 decisions here, 80% of 35.

Lenders approved 64.6% of home improvement loan applications in Flathead County, MT, 7.6 percentage points below the Montana rate of 72.2%.

The typical home improvement loan here is $105K, 40% larger than the Montana typical of $75K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 9 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 23% approved of 26Discover Bank: 23% approved of 30Figure Lending LLC: 52% approved of 29Bank of America, National Association: 55% approved of 31U.S. Bank National Association: 66% approved of 35First Interstate Bank: 66% approved of 154Glacier Bank: 71% approved of 229Stockman Bank of Montana: 80% approved of 35Navy Federal Credit Union: 80% approved of 25

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Flathead County

LenderApprovalApprovedTaken upTypical loanLoans made
1Glacier Bank71%162 / 229100%$105K162
2First Interstate Bank66%102 / 15495%$85K97
3Stockman Bank of Montana80%28 / 35100%$75K28
4U.S. Bank National Association66%23 / 3596%$75K22
5Bank of America, National Association55%17 / 3194%$155K16

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 46 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Flathead County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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