Chouteau County, MT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 176 mortgage applications in Chouteau County, MT totaling $24.3 million, up 21% from 2011. The average application was for $138,000, and applicants reported an average income of $64,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 31 applications, followed by US Bk NA Nd and Stockman Bank of Montana.
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| 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 | 176 |
| Total Mortgage Loan Application Amount | $24,343,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $2,406,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $264,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 31 | $ 4,177,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 31 | $ 2,384,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,132,797,000 | 30 | $ 6,550,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 14 | $ 2,328,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,294,743,000 | 8 | $ 1,183,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 81,738,000 | 7 | $ 533,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,186,000 |
| Mountain West Bank, N.A. 1225 CEDAR STREET / PO BOX 6013 HELENA, MT 59604 |
* | $ 640,825,000 | 4 | $ 784,000 |
| Russell Country Federal Credit Union 810 1ST AVE S GREAT FALLS, MT 59401 |
* | $ 60,419,000 | 4 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 206,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 193,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 260,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 2 | $ 401,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 692,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 196,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 241,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 213,000 |
| Montana Federal Credit Union 15 14TH STREET SOUTH GREAT FALLS, MT 59401 |
* | $ 174,217,000 | 2 | $ 232,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 1 | $ 175,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 146,948,000 | 1 | $ 200,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 285,094,000 | 1 | $ 100,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 226,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 44,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 156,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 75,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 117,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 226,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 40,000 |
The tables below break down 2012 mortgage applications in Chouteau 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 Chouteau County, MT in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 121 | $18,108,000 | $149,000 | $2,406,000 | $62,000 | $192,000 |
| Home Purchase | 39 | $4,739,000 | $121,000 | $380,000 | $67,000 | $264,000 |
| Home Improvement | 16 | $1,496,000 | $93,000 | $240,000 | $72,000 | $150,000 |
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 | 148 | $17,589,000 | $118,000 | $380,000 | $65,000 | $264,000 |
| Not Provided | 12 | $2,295,000 | $191,000 | $367,000 | $93,000 | $168,000 |
| Not applicable | 11 | $4,016,000 | $365,000 | $2,406,000 | $20,000 | $108,000 |
| Hispanic | 4 | $440,000 | $110,000 | $167,000 | $66,000 | $137,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $58,000 | $58,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 122 | $17,286,000 | $141,000 | $2,406,000 | $67,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,190,000 | $144,000 | $380,000 | $60,000 | $148,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,335,000 | $129,000 | $214,000 | $58,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $532,000 | $76,000 | $113,000 | $38,000 | $71,000 |
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 | 92 | $13,951,000 | $151,000 | $2,406,000 | $65,000 | $264,000 |
| Application Denied By Financial Institution | 36 | $3,934,000 | $109,000 | $348,000 | $58,000 | $150,000 |
| Loan Purchased By The Institution | 19 | $2,200,000 | $115,000 | $226,000 | $55,000 | $192,000 |
| Application Withdrawn By Applicant | 15 | $2,391,000 | $159,000 | $380,000 | $71,000 | $168,000 |
| File Closed For Incompleteness | 11 | $1,457,000 | $132,000 | $240,000 | $78,000 | $148,000 |
| Application Approved But Not Accepted | 3 | $410,000 | $136,000 | $280,000 | $55,000 | $89,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $706,000 | $64,000 | $138,000 | $44,000 | $91,000 |
| Collateral | 9 | $1,496,000 | $166,000 | $343,000 | $67,000 | $137,000 |
| Debt-To-Income Ratio | 6 | $663,000 | $110,000 | $348,000 | $31,000 | $68,000 |
| Credit Application Incomplete | 2 | $179,000 | $89,000 | $104,000 | $56,000 | $72,000 |
| Other | 1 | $32,000 | $32,000 | $32,000 | $135,000 | $135,000 |
| Unverifiable Information | 1 | $9,000 | $9,000 | $9,000 | $150,000 | $150,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| 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.
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