Granite County, MT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 143 mortgage applications in Granite County, MT totaling $32.6 million, down 1% from 2016. The average application was for $227,000, and applicants reported an average income of $113,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Glacier Bank, with 19 applications, followed by Opportunity Bank of Montana and Wells Fargo Bank NA.
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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 | 143 |
| Total Mortgage Loan Application Amount | $32,590,000 |
| Average Mortgage Loan Application Amount | $227,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $113,000 |
| Highest Applicant Income | $1,723,000 |
| 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 |
* | $ 9,433,163,000 | 19 | $ 5,046,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 668,242,000 | 13 | $ 2,456,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 11 | $ 3,402,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 9,038,469,000 | 7 | $ 1,278,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,229,259,000 | 6 | $ 1,403,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 6 | $ 1,762,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 848,000 |
| Trailwest Bank PO BOX 9 LOLO, MT 59847 |
* | $ 441,600,000 | 4 | $ 1,409,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 765,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 1,065,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 1,041,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 4 | $ 1,259,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 3 | $ 309,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 667,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 345,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 357,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 456,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 407,000 |
| First Security Bank 208 EAST MAIN STREET BOZEMAN, MT 59715 |
* | $ 963,496,000 | 2 | $ 376,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 2 | $ 649,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 445,000 |
| Park Side Credit Union 4055 BROOKS ST. SUITE C WHITEFISH, MT 59937 |
* | $ 215,651,000 | 2 | $ 265,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 300,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 121,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 172,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 24,452,112,000 | 1 | $ 500,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 234,000 |
| First Montana Bank 201 N HIGGINS AVE MISSOULA, MT 59802 |
* | $ 297,211,000 | 1 | $ 270,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 143,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 1 | $ 342,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 171,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,681,854,000 | 1 | $ 261,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 239,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 180,000 |
| Farmers State Bank 103 MAIN STREET VICTOR VICTOR, MT 59875 |
* | $ 364,715,000 | 1 | $ 174,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 94,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,162,097,000 | 1 | $ 175,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 908,343,000 | 1 | $ 178,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 140,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 5,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 355,000 |
The tables below break down 2017 mortgage applications in Granite 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 Granite County, MT in 2017
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 | 72 | $14,823,000 | $205,000 | $525,000 | $89,000 | $358,000 |
| Home Purchase | 64 | $16,246,000 | $253,000 | $2,000,000 | $119,000 | $1,101,000 |
| Home Improvement | 7 | $1,521,000 | $217,000 | $500,000 | $304,000 | $1,723,000 |
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 | 110 | $25,118,000 | $228,000 | $2,000,000 | $109,000 | $1,101,000 |
| Not Provided | 14 | $2,964,000 | $211,000 | $500,000 | $196,000 | $1,723,000 |
| Not applicable | 13 | $3,537,000 | $272,000 | $355,000 | $71,000 | $404,000 |
| Black or African American | 2 | $231,000 | $115,000 | $136,000 | $33,000 | $36,000 |
| Hispanic | 2 | $70,000 | $35,000 | $67,000 | $41,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $82,000 | $82,000 |
| Asian | 1 | $415,000 | $415,000 | $415,000 | $225,000 | $225,000 |
| American Indian or Alaskan Native | 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) | 118 | $28,303,000 | $239,000 | $2,000,000 | $127,000 | $1,723,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,646,000 | $176,000 | $306,000 | $51,000 | $117,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,421,000 | $177,000 | $268,000 | $47,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $220,000 | $110,000 | $125,000 | $30,000 | $31,000 |
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 | 74 | $17,187,000 | $232,000 | $2,000,000 | $130,000 | $1,723,000 |
| Application Denied By Financial Institution | 28 | $6,066,000 | $216,000 | $532,000 | $102,000 | $358,000 |
| Application Withdrawn By Applicant | 15 | $2,950,000 | $196,000 | $536,000 | $85,000 | $176,000 |
| Loan Purchased By The Institution | 15 | $4,052,000 | $270,000 | $355,000 | $74,000 | $404,000 |
| Application Approved But Not Accepted | 6 | $1,221,000 | $203,000 | $344,000 | $66,000 | $123,000 |
| File Closed For Incompleteness | 5 | $1,114,000 | $222,000 | $342,000 | $173,000 | $347,000 |
| 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 | 5 | $1,112,000 | $222,000 | $424,000 | $95,000 | $228,000 |
| Debt-To-Income Ratio | 5 | $852,000 | $170,000 | $332,000 | $50,000 | $99,000 |
| Collateral | 4 | $876,000 | $219,000 | $355,000 | $193,000 | $358,000 |
| Credit Application Incomplete | 2 | $466,000 | $233,000 | $314,000 | $73,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $525,000 | $525,000 | $525,000 | $254,000 | $254,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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