Carbon County, MT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 528 mortgage applications in Carbon County, MT totaling $172.4 million, up 13% from 2024. The average application was for $326,000, and applicants reported an average income of $170,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Altana Federal Credit Union, with 40 applications, followed by Bank of Bridger, N.A. and United Wholesale Mortgage.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Montana.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 528 |
| Total Mortgage Loan Application Amount | $172,370,000 |
| Average Mortgage Loan Application Amount | $326,000 |
| Highest Mortgage Loan Application Amount | $3,165,000 |
| Average Applicant Income | $170,000 |
| Highest Applicant Income | $1,695,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ n/a | 40 | $ 5,820,000 |
| Bank of Bridger, N.A. PO BOX 447, 101 SOUTH MAIN STREET BRIDGER, MT 59014 |
* | $ n/a | 37 | $ 9,095,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 28 | $ 10,590,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 25 | $ 6,115,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ n/a | 22 | $ 8,600,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 22 | $ 8,850,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 19 | $ 4,305,000 |
| Yellowstone Bank 12 FIRST AVE LAUREL, MT 59044 |
* | $ n/a | 18 | $ 6,690,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 17 | $ 7,695,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 15 | $ 5,005,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 14 | $ 4,010,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 4,775,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ n/a | 11 | $ 1,665,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 11 | $ 3,285,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 2,945,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 1,350,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 8 | $ 2,460,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 2,965,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 6 | $ 1,740,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 1,400,000 |
| First Federal Bank & Trust BILLINGS, MT 59106 |
* | $ n/a | 6 | $ 2,640,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 2,220,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,760,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 1,425,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 5 | $ 1,825,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 2,185,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 735,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 1,195,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,745,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 2,105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 2,015,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 2,855,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 2,290,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 4 | $ 1,590,000 |
| Little Horn State Bank 835 N CENTER AVE HARDIN, MT 59034 |
* | $ n/a | 4 | $ 1,200,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 4 | $ 1,590,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 1,230,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 3 | $ 535,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 595,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 1,495,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 965,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 1,465,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 3 | $ 575,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 865,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 820,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 110,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 230,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 2 | $ 1,190,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ n/a | 2 | $ 770,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 2 | $ 360,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 730,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 540,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 2 | $ 1,280,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 1,040,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 870,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 990,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 610,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 2 | $ 480,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 540,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 2 | $ 1,690,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 265,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 225,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 3,165,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 415,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 165,000 |
| Stockmens Bank SPRINGFIELD, MO 65804 |
* | $ n/a | 1 | $ 1,365,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ n/a | 1 | $ 255,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 1,055,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 205,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 365,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ n/a | 1 | $ 415,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 225,000 |
| Intrepid Credit Union 915 KESSLER STREET HELENA, MT 59601 |
* | $ n/a | 1 | $ 315,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 135,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 805,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 505,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 355,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 155,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 385,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 285,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 1 | $ 405,000 |
| First Security Bank PO BOX 938 SEARCY, AR 72143 |
* | $ n/a | 1 | $ 2,005,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 595,000 |
| Bison State Bank 223 MAIN ST BISON, KS 67520 |
* | $ n/a | 1 | $ 415,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 195,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 785,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 1,005,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 365,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 315,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 105,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 95,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 105,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 775,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 635,000 |
The tables below break down 2025 mortgage applications in Carbon County, MT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Carbon County, MT in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 246 | $99,340,000 | $403,000 | $3,165,000 | $212,000 | $1,695,000 |
| Cash-out Refinancing | 101 | $31,595,000 | $312,000 | $1,505,000 | $123,000 | $391,000 |
| Refinancing | 93 | $30,375,000 | $326,000 | $965,000 | $161,000 | $512,000 |
| Home Improvement | 46 | $6,000,000 | $130,000 | $505,000 | $124,000 | $547,000 |
| Other Purpose | 41 | $4,585,000 | $111,000 | $345,000 | $131,000 | $872,000 |
| Not Applicable | 1 | $475,000 | $475,000 | $475,000 | $132,000 | $132,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 390 | $121,590,000 | $311,000 | $3,165,000 | $174,000 | $1,695,000 |
| Not Provided | 61 | $21,495,000 | $352,000 | $1,505,000 | $156,000 | $458,000 |
| Not applicable | 59 | $24,695,000 | $418,000 | $2,005,000 | $248,000 | $750,000 |
| Hispanic | 13 | $3,145,000 | $241,000 | $415,000 | $89,000 | $117,000 |
| American Indian or Alaskan Native | 3 | $925,000 | $308,000 | $465,000 | $139,000 | $184,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $171,000 | $171,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 436 | $140,630,000 | $322,000 | $3,165,000 | $184,000 | $1,695,000 |
| FHA-insured (Federal Housing Administration) | 51 | $16,035,000 | $314,000 | $705,000 | $89,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 32 | $13,570,000 | $424,000 | $965,000 | $107,000 | $276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,135,000 | $237,000 | $295,000 | $83,000 | $95,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 303 | $100,185,000 | $330,000 | $3,165,000 | $186,000 | $1,695,000 |
| Application Withdrawn By Applicant | 79 | $27,875,000 | $352,000 | $1,505,000 | $173,000 | $574,000 |
| Application Denied By Financial Institution | 70 | $17,370,000 | $248,000 | $1,005,000 | $106,000 | $872,000 |
| Loan Purchased By The Institution | 48 | $18,270,000 | $380,000 | $805,000 | $217,000 | $750,000 |
| File Closed For Incompleteness | 19 | $6,105,000 | $321,000 | $765,000 | $119,000 | $350,000 |
| Application Approved But Not Accepted | 9 | $2,565,000 | $285,000 | $685,000 | $191,000 | $587,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 426 | $142,320,000 | $334,000 | $3,165,000 | $173,000 | $1,695,000 |
| Debt-To-Income Ratio | 62 | $19,630,000 | $316,000 | $1,365,000 | $184,000 | $1,382,000 |
| Credit History | 14 | $2,970,000 | $212,000 | $565,000 | $141,000 | $872,000 |
| Collateral | 12 | $4,510,000 | $375,000 | $1,005,000 | $119,000 | $321,000 |
| Credit Application Incomplete | 10 | $2,690,000 | $269,000 | $555,000 | $131,000 | $300,000 |
| Employment History | 2 | $110,000 | $55,000 | $55,000 | $54,000 | $54,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $107,000 | $107,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $36,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About