Chouteau County, MT Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 94 mortgage applications in Chouteau County, MT totaling $15.8 million, down 16% from 2022. The average application was for $167,000, and applicants reported an average income of $86,000. 57% of applications resulted in an originated loan and 9% were denied. The most active lender was Glacier Bank, with 16 applications, followed by Stockman Bank of Montana and Opportunity 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 | 94 |
| Total Mortgage Loan Application Amount | $15,750,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $329,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 26,612,483,000 | 16 | $ 2,650,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 6,029,685,000 | 8 | $ 1,450,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 1,941,231,000 | 5 | $ 545,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 715,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 1,280,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 830,000 |
| Montana Federal Credit Union 15 14TH STREET SOUTH GREAT FALLS, MT 59401 |
* | $ 329,735,000 | 3 | $ 315,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 190,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 100,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 420,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 270,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,398,640,000 | 2 | $ 860,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ -1,000 | 2 | $ 860,000 |
| Russell Country FCU 810 1ST AVE S GREAT FALLS, MT 59401 |
* | $ 101,846,000 | 2 | $ 110,000 |
| Belt Valley Bank PO BOX 196 BELT, MT 59412 |
* | $ 80,871,000 | 2 | $ 190,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 165,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 195,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 85,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 205,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 2,076,980,000 | 1 | $ 185,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 603,542,000 | 1 | $ 365,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 145,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 115,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 265,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 595,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 85,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 265,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 265,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 427,074,000 | 1 | $ 35,000 |
| Independence Bank 435 3RD ST HAVRE, MT 59501 |
* | $ 1,181,012,000 | 1 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 125,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 265,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 55,000 |
The tables below break down 2023 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 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 | 55 | $11,045,000 | $200,000 | $595,000 | $90,000 | $329,000 |
| Cash-out Refinancing | 13 | $2,675,000 | $205,000 | $315,000 | $68,000 | $134,000 |
| Home Improvement | 12 | $820,000 | $68,000 | $135,000 | $92,000 | $162,000 |
| Other Purpose | 7 | $495,000 | $70,000 | $105,000 | $87,000 | $164,000 |
| Refinancing | 7 | $715,000 | $102,000 | $225,000 | $78,000 | $160,000 |
| 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 | 68 | $12,000,000 | $176,000 | $595,000 | $89,000 | $329,000 |
| Not applicable | 12 | $2,150,000 | $179,000 | $315,000 | $99,000 | $99,000 |
| Not Provided | 10 | $1,320,000 | $132,000 | $185,000 | $77,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $120,000 | $60,000 | $65,000 | $41,000 | $59,000 |
| Hispanic | 2 | $160,000 | $80,000 | $115,000 | $74,000 | $81,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 59 | $8,565,000 | $145,000 | $505,000 | $86,000 | $329,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,980,000 | $165,000 | $235,000 | $63,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,090,000 | $255,000 | $595,000 | $111,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $115,000 | $115,000 | $115,000 | $81,000 | $81,000 |
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 | 54 | $9,040,000 | $167,000 | $595,000 | $85,000 | $329,000 |
| Loan Purchased By The Institution | 13 | $2,225,000 | $171,000 | $315,000 | $75,000 | $101,000 |
| Application Withdrawn By Applicant | 11 | $2,365,000 | $215,000 | $585,000 | $100,000 | $225,000 |
| Application Denied By Financial Institution | 8 | $1,080,000 | $135,000 | $295,000 | $74,000 | $162,000 |
| File Closed For Incompleteness | 4 | $490,000 | $122,000 | $205,000 | $113,000 | $164,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $195,000 | $74,000 | $81,000 |
| Preapproval Denied by Financial Institution | 1 | $195,000 | $195,000 | $195,000 | $52,000 | $52,000 |
| Preapproval Approved but not Accepted | 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 | 81 | $13,845,000 | $170,000 | $595,000 | $89,000 | $329,000 |
| Debt-To-Income Ratio | 8 | $1,230,000 | $153,000 | $365,000 | $59,000 | $100,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $195,000 | $89,000 | $126,000 |
| Credit History | 1 | $185,000 | $185,000 | $185,000 | $75,000 | $75,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $162,000 | $162,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $29,000 | $29,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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