Carbon County, MT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 417 mortgage applications in Carbon County, MT totaling $125.5 million, down 36% from 2022. The average application was for $300,000, and applicants reported an average income of $156,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was First Interstate Bank, with 30 applications, followed by Opportunity Bank of Montana and Stockman Bank of Montana.
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 | 417 |
| Total Mortgage Loan Application Amount | $125,475,000 |
| Average Mortgage Loan Application Amount | $300,000 |
| Highest Mortgage Loan Application Amount | $2,085,000 |
| Average Applicant Income | $156,000 |
| Highest Applicant Income | $840,000 |
* 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 |
|---|---|---|---|---|
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 30 | $ 4,020,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 1,941,231,000 | 22 | $ 7,480,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 6,029,685,000 | 22 | $ 5,690,000 |
| Bank of Bridger, N.A. PO BOX 447, 101 SOUTH MAIN STREET BRIDGER, MT 59014 |
* | $ 767,763,000 | 20 | $ 3,580,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 18 | $ 7,020,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 17 | $ 4,595,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 427,074,000 | 16 | $ 1,390,000 |
| Yellowstone Bank 12 FIRST AVE LAUREL, MT 59044 |
* | $ 1,189,869,000 | 16 | $ 5,760,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 26,612,483,000 | 14 | $ 4,560,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 3,485,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 11 | $ 1,355,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 10 | $ 5,110,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 10 | $ 1,230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 8 | $ 1,460,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 8 | $ 2,900,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 2,335,000 |
| Little Horn State Bank 835 N CENTER AVE HARDIN, MT 59034 |
* | $ 161,765,000 | 7 | $ 4,645,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 2,160,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 6 | $ 2,280,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 6 | $ 2,180,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 6 | $ 1,460,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ 424,965,000 | 6 | $ 650,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 6 | $ 1,850,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,670,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 590,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 1,230,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 1,580,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 15,840,363,000 | 4 | $ 230,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 1,055,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 1,415,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 915,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 3 | $ 665,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 3 | $ 1,455,000 |
| First Federal Bank & Trust BILLINGS, MT 59106 |
* | $ 543,770,000 | 3 | $ 995,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 795,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 3 | $ 1,455,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 3 | $ 1,245,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 645,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 1,355,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 3 | $ 1,045,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 845,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 2 | $ 820,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 2 | $ 320,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 2 | $ 530,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 750,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 710,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 650,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 700,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 2 | $ 1,370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 620,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 610,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 2 | $ 860,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 730,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 2 | $ 800,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 540,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 110,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 725,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 11,283,366,000 | 1 | $ 725,000 |
| Bank of Bartlett 6281 STAGE RD BARTLETT, TN 38133 |
* | $ 525,943,000 | 1 | $ 2,005,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 335,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 255,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 805,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 1,264,296,000 | 1 | $ 625,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 255,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 1 | $ 965,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 465,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 935,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 345,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 265,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 9,523,916,000 | 1 | $ 155,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 645,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 455,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 175,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 355,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ -1,000 | 1 | $ 315,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 415,000 |
| Thomasville National Bank 301 N. BROAD STREET THOMASVILLE, GA 31792 |
* | $ 1,537,741,000 | 1 | $ 155,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 405,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 405,000 |
| Superior Financial Solutions 4230 ELIDA RD LIMA, OH 45807 |
* | $ -1,000 | 1 | $ 325,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 525,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 265,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 425,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ 197,885,000 | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 165,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 235,000 |
The tables below break down 2023 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 2023
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 | 220 | $79,190,000 | $359,000 | $965,000 | $169,000 | $627,000 |
| Cash-out Refinancing | 60 | $15,850,000 | $264,000 | $725,000 | $109,000 | $315,000 |
| Other Purpose | 51 | $6,735,000 | $132,000 | $615,000 | $135,000 | $750,000 |
| Home Improvement | 44 | $5,470,000 | $124,000 | $505,000 | $150,000 | $780,000 |
| Refinancing | 42 | $18,230,000 | $434,000 | $2,085,000 | $200,000 | $840,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 323 | $93,205,000 | $288,000 | $2,005,000 | $155,000 | $840,000 |
| Not applicable | 43 | $17,005,000 | $395,000 | $2,085,000 | $169,000 | $353,000 |
| Not Provided | 36 | $10,020,000 | $278,000 | $645,000 | $145,000 | $473,000 |
| Hispanic | 8 | $2,700,000 | $337,000 | $735,000 | $215,000 | $543,000 |
| Asian | 6 | $2,440,000 | $406,000 | $565,000 | $243,000 | $352,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $12,000 | $12,000 |
| 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) | 343 | $101,845,000 | $296,000 | $2,085,000 | $167,000 | $840,000 |
| FHA-insured (Federal Housing Administration) | 39 | $11,525,000 | $295,000 | $485,000 | $87,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 29 | $10,955,000 | $377,000 | $785,000 | $111,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,150,000 | $191,000 | $345,000 | $89,000 | $158,000 |
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 | 227 | $68,105,000 | $300,000 | $2,085,000 | $157,000 | $839,000 |
| Application Denied By Financial Institution | 68 | $17,000,000 | $250,000 | $855,000 | $152,000 | $780,000 |
| Application Withdrawn By Applicant | 54 | $18,880,000 | $349,000 | $2,005,000 | $174,000 | $840,000 |
| Loan Purchased By The Institution | 37 | $12,645,000 | $341,000 | $645,000 | $144,000 | $353,000 |
| File Closed For Incompleteness | 22 | $5,020,000 | $228,000 | $605,000 | $113,000 | $335,000 |
| Application Approved But Not Accepted | 9 | $3,825,000 | $425,000 | $805,000 | $189,000 | $652,000 |
| 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 | 342 | $103,830,000 | $303,000 | $2,005,000 | $156,000 | $840,000 |
| Debt-To-Income Ratio | 24 | $8,890,000 | $370,000 | $2,085,000 | $106,000 | $514,000 |
| Collateral | 16 | $5,590,000 | $349,000 | $855,000 | $255,000 | $780,000 |
| Credit History | 14 | $1,980,000 | $141,000 | $455,000 | $122,000 | $240,000 |
| Other | 11 | $2,775,000 | $252,000 | $805,000 | $177,000 | $618,000 |
| Credit Application Incomplete | 5 | $815,000 | $163,000 | $245,000 | $86,000 | $130,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $235,000 | $163,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $620,000 | $310,000 | $355,000 | $196,000 | $342,000 |
| Employment History | 1 | $535,000 | $535,000 | $535,000 | $241,000 | $241,000 |
| 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