Granite County, MT Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 155 mortgage applications in Granite County, MT totaling $35.6 million, up 11% from 2018. The average application was for $229,000, and applicants reported an average income of $147,000. 49% of applications resulted in an originated loan and 15% were denied. The most active lender was Glacier Bank, with 24 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 155 |
| Total Mortgage Loan Application Amount | $35,635,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $1,755,000 |
| Average Applicant Income | $147,000 |
| Highest Applicant Income | $865,000 |
| 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 |
* | $ 12,102,845,000 | 24 | $ 5,230,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 21 | $ 4,145,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 8 | $ 1,410,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 843,686,000 | 8 | $ 2,380,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 13,239,925,000 | 7 | $ 1,275,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,648,810,000 | 6 | $ 1,400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 650,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 4 | $ 340,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 3 | $ 1,555,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,056,461,000 | 3 | $ 445,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 3 | $ 645,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 525,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 350,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 770,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 600,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 2 | $ 640,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 390,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 810,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 250,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 2 | $ 610,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 340,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 240,000 |
| Trailwest Bank PO BOX 9 LOLO, MT 59847 |
* | $ 571,880,000 | 2 | $ 1,800,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 2 | $ 230,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 234,032,000,000 | 1 | $ 635,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 255,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 75,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 6,542,924,000 | 1 | $ 265,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 55,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 505,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 305,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 2,817,297,000 | 1 | $ 655,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 285,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 115,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 215,000 |
The tables below break down 2019 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 2019
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 | 79 | $19,315,000 | $244,000 | $1,755,000 | $164,000 | $865,000 |
| Cash-out Refinancing | 30 | $6,590,000 | $219,000 | $635,000 | $94,000 | $275,000 |
| Refinancing | 29 | $8,215,000 | $283,000 | $805,000 | $191,000 | $865,000 |
| Other Purpose | 9 | $1,085,000 | $120,000 | $325,000 | $107,000 | $233,000 |
| Home Improvement | 8 | $430,000 | $53,000 | $105,000 | $93,000 | $190,000 |
| 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 | 125 | $28,955,000 | $231,000 | $1,755,000 | $145,000 | $865,000 |
| Not Provided | 14 | $2,920,000 | $208,000 | $465,000 | $119,000 | $313,000 |
| Not applicable | 10 | $2,980,000 | $298,000 | $805,000 | $382,000 | $865,000 |
| American Indian or Alaskan Native | 3 | $175,000 | $58,000 | $95,000 | $72,000 | $142,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $115,000 | $115,000 |
| Hispanic | 1 | $445,000 | $445,000 | $445,000 | $270,000 | $270,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 130 | $31,320,000 | $240,000 | $1,755,000 | $162,000 | $865,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,065,000 | $158,000 | $245,000 | $63,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,805,000 | $200,000 | $295,000 | $50,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $445,000 | $148,000 | $175,000 | $54,000 | $61,000 |
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 | 76 | $17,640,000 | $232,000 | $805,000 | $158,000 | $865,000 |
| Application Withdrawn By Applicant | 26 | $7,010,000 | $269,000 | $1,755,000 | $131,000 | $732,000 |
| Application Denied By Financial Institution | 24 | $3,640,000 | $151,000 | $635,000 | $85,000 | $215,000 |
| Loan Purchased By The Institution | 17 | $4,475,000 | $263,000 | $805,000 | $220,000 | $865,000 |
| File Closed For Incompleteness | 8 | $1,680,000 | $210,000 | $465,000 | $143,000 | $313,000 |
| Application Approved But Not Accepted | 4 | $1,190,000 | $297,000 | $655,000 | $248,000 | $467,000 |
| 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 | 129 | $30,195,000 | $234,000 | $805,000 | $159,000 | $865,000 |
| Collateral | 7 | $1,145,000 | $163,000 | $235,000 | $91,000 | $215,000 |
| Other | 5 | $645,000 | $129,000 | $215,000 | $122,000 | $166,000 |
| Credit History | 5 | $295,000 | $59,000 | $105,000 | $56,000 | $175,000 |
| Debt-To-Income Ratio | 5 | $2,675,000 | $535,000 | $1,755,000 | $133,000 | $296,000 |
| Unverifiable Information | 3 | $445,000 | $148,000 | $235,000 | $61,000 | $89,000 |
| Credit Application Incomplete | 1 | $235,000 | $235,000 | $235,000 | $43,000 | $43,000 |
| 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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