In 2018, lenders reported 372 mortgage applications in Hill County, MT totaling $57.9 million, down 8% from 2017. The average application was for $155,000, and applicants reported an average income of $78,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was Guild Mortgage Company, with 111 applications, followed by United Wholesale Mortgage 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 | 372 |
| Total Mortgage Loan Application Amount | $57,870,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $355,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 111 | $ 16,455,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 38 | $ 7,200,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,522,047,000 | 25 | $ 3,385,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 24 | $ 2,930,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 15 | $ 1,675,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 2,585,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,315,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,510,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 8 | $ 1,820,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 755,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 12,151,833,000 | 5 | $ 855,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 895,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 630,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 560,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 430,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 3 | $ 245,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 3 | $ 225,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 3 | $ 695,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 405,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,443,419,000 | 2 | $ 290,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 480,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 2 | $ 320,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 180,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 701,960,000 | 2 | $ 110,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 2 | $ 290,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 400,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 350,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 480,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 170,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 251,259,000 | 1 | $ 45,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 385,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 1 | $ 285,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 255,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 1 | $ 245,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 165,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 155,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 195,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 355,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 245,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 487,136,000 | 1 | $ 395,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 245,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 215,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 75,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 95,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 95,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 95,000 |
The tables below break down 2018 mortgage applications in Hill County, MT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 234 | $38,140,000 | $162,000 | $635,000 | $76,000 | $355,000 |
| Cash-out Refinancing | 65 | $10,645,000 | $163,000 | $335,000 | $73,000 | $180,000 |
| Refinancing | 35 | $5,525,000 | $157,000 | $395,000 | $77,000 | $312,000 |
| Other Purpose | 22 | $1,540,000 | $70,000 | $205,000 | $100,000 | $268,000 |
| Home Improvement | 10 | $970,000 | $97,000 | $225,000 | $110,000 | $161,000 |
| Not Applicable | 6 | $1,050,000 | $175,000 | $265,000 | $151,000 | $152,000 |
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 | 272 | $41,170,000 | $151,000 | $405,000 | $76,000 | $355,000 |
| Not Provided | 50 | $8,660,000 | $173,000 | $335,000 | $90,000 | $312,000 |
| Not applicable | 29 | $4,835,000 | $166,000 | $635,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $2,175,000 | $145,000 | $225,000 | $74,000 | $138,000 |
| Hispanic | 3 | $535,000 | $178,000 | $355,000 | $92,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $116,000 | $116,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $55,000 | $55,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $102,000 | $102,000 |
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) | 217 | $32,495,000 | $149,000 | $635,000 | $86,000 | $355,000 |
| FHA-insured (Federal Housing Administration) | 67 | $9,115,000 | $136,000 | $265,000 | $59,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 58 | $12,250,000 | $211,000 | $405,000 | $81,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,010,000 | $133,000 | $255,000 | $53,000 | $82,000 |
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 | 242 | $37,200,000 | $153,000 | $405,000 | $80,000 | $355,000 |
| Application Denied By Financial Institution | 43 | $6,265,000 | $145,000 | $635,000 | $64,000 | $161,000 |
| Loan Purchased By The Institution | 38 | $5,870,000 | $154,000 | $285,000 | $68,000 | $115,000 |
| Application Withdrawn By Applicant | 33 | $5,015,000 | $151,000 | $335,000 | $80,000 | $312,000 |
| File Closed For Incompleteness | 11 | $2,305,000 | $209,000 | $285,000 | $107,000 | $152,000 |
| Application Approved But Not Accepted | 5 | $1,215,000 | $243,000 | $395,000 | $97,000 | $147,000 |
| 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 | 329 | $51,605,000 | $156,000 | $405,000 | $80,000 | $355,000 |
| Collateral | 14 | $2,490,000 | $177,000 | $635,000 | $63,000 | $143,000 |
| Debt-To-Income Ratio | 11 | $1,335,000 | $121,000 | $315,000 | $47,000 | $114,000 |
| Other | 6 | $760,000 | $126,000 | $205,000 | $78,000 | $161,000 |
| Credit History | 5 | $465,000 | $93,000 | $205,000 | $92,000 | $150,000 |
| Credit Application Incomplete | 4 | $790,000 | $197,000 | $255,000 | $67,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $260,000 | $130,000 | $155,000 | $61,000 | $73,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $36,000 | $36,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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