Carter County, MT: mortgages, home buyers & loan limits
What buyers in Carter County actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
HMDA records show no originated home-purchase mortgages for owner-occupied single-family homes in Carter County, MT in 2025.
2026 loan limits in Carter County
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $832,750 | +$26,250 | $541,287 | +$17,062 |
| 2 units | $1,066,250 | +$33,600 | $693,050 | +$21,850 |
| 3 units | $1,288,800 | +$40,650 | $837,700 | +$26,425 |
| 4 units | $1,601,750 | +$50,500 | $1,041,125 | +$32,825 |
2026 limits for Carter County, MT: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.
All Montana counties: Montana 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
No completed home-purchase applications were reported for Carter County in 2025.
Top mortgage lenders in Carter County
2 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | loanDepot.com, LLC | 1 | 50.0% | — | — | — | — |
| 2 | AmeriSave Mortgage Corporation | 1 | 50.0% | — | — | — | — |
Lenders in Carter County, MT. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
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Compare your origination charges and total loan costs with 2025 loans of the same type and size in Montana.
Monthly payment calculator
Principal, interest, property tax (0.45% typical effective rate here) and insurance, with Carter County defaults.
Typical effective property-tax rate 0.45% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| Harding County, SD | 51 mi | 4 | — | — | $832,750 | $541,287 |
| Powder River County, MT | 51 mi | 7 | — | — | $832,750 | $541,287 |
| Fallon County, MT | 56 mi | 12 | — | — | $832,750 | $541,287 |
| Bowman County, ND | 64 mi | 19 | — | — | $832,750 | $541,287 |
| Crook County, WY | 64 mi | 38 | $325,000 | $116,000 | $832,750 | $541,287 |
| Butte County, SD | 65 mi | 110 | $265,000 | $90,000 | $832,750 | $541,287 |
Frequently asked questions
What is the 2026 conforming loan limit in Carter County?
$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in Carter County?
$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology