In 2019, lenders reported 168 mortgage applications in Musselshell County, MT totaling $28.7 million, down 17% from 2018. The average application was for $171,000, and applicants reported an average income of $75,000. 42% of applications resulted in an originated loan and 19% were denied. The most active lender was Stockman Bank of Montana, with 17 applications, followed by US Bank, N.A. and First Interstate Bank.
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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 | 168 |
| Total Mortgage Loan Application Amount | $28,740,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $402,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,648,810,000 | 17 | $ 3,015,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 10 | $ 1,370,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 13,239,925,000 | 7 | $ 1,365,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 843,686,000 | 7 | $ 1,275,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 7 | $ 1,705,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 670,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 6 | $ 750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 670,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 525,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 1,205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 255,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 890,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 870,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 12,102,845,000 | 4 | $ 570,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 3 | $ 735,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 3 | $ 465,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 505,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 395,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 370,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 120,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 420,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 450,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 340,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 340,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 2 | $ 640,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 450,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 440,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 261,732,000 | 2 | $ 300,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ 148,207,000 | 1 | $ 165,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 365,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 1 | $ 235,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,050,339,000 | 1 | $ 55,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 95,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 245,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 295,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 365,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 135,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 205,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 365,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 55,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 295,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 185,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 265,000 |
The tables below break down 2019 mortgage applications in Musselshell 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 | 83 | $15,285,000 | $184,000 | $425,000 | $91,000 | $402,000 |
| Refinancing | 34 | $6,510,000 | $191,000 | $325,000 | $64,000 | $276,000 |
| Cash-out Refinancing | 32 | $5,810,000 | $181,000 | $405,000 | $55,000 | $145,000 |
| Other Purpose | 9 | $465,000 | $51,000 | $85,000 | $65,000 | $120,000 |
| Home Improvement | 8 | $340,000 | $42,000 | $55,000 | $59,000 | $92,000 |
| Not Applicable | 2 | $330,000 | $165,000 | $235,000 | $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 | 131 | $22,685,000 | $173,000 | $425,000 | $79,000 | $402,000 |
| Not Provided | 18 | $2,390,000 | $132,000 | $245,000 | $45,000 | $106,000 |
| Not applicable | 14 | $2,960,000 | $211,000 | $365,000 | $138,000 | $402,000 |
| American Indian or Alaskan Native | 4 | $630,000 | $157,000 | $185,000 | $46,000 | $95,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 89 | $13,815,000 | $155,000 | $425,000 | $88,000 | $402,000 |
| VA-guaranteed (Veterans Administration) | 39 | $8,505,000 | $218,000 | $405,000 | $56,000 | $112,000 |
| FHA-insured (Federal Housing Administration) | 35 | $5,755,000 | $164,000 | $315,000 | $65,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $665,000 | $133,000 | $235,000 | $37,000 | $43,000 |
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 | 70 | $11,880,000 | $169,000 | $375,000 | $81,000 | $402,000 |
| Application Withdrawn By Applicant | 39 | $7,035,000 | $180,000 | $405,000 | $68,000 | $250,000 |
| Application Denied By Financial Institution | 32 | $4,510,000 | $140,000 | $425,000 | $59,000 | $143,000 |
| Loan Purchased By The Institution | 15 | $3,125,000 | $208,000 | $365,000 | $124,000 | $402,000 |
| File Closed For Incompleteness | 8 | $1,460,000 | $182,000 | $315,000 | $56,000 | $73,000 |
| Application Approved But Not Accepted | 4 | $730,000 | $182,000 | $265,000 | $142,000 | $223,000 |
| 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 | 133 | $23,635,000 | $177,000 | $405,000 | $77,000 | $402,000 |
| Debt-To-Income Ratio | 11 | $1,915,000 | $174,000 | $295,000 | $94,000 | $402,000 |
| Collateral | 9 | $1,165,000 | $129,000 | $205,000 | $65,000 | $102,000 |
| Credit History | 7 | $1,005,000 | $143,000 | $425,000 | $43,000 | $120,000 |
| Other | 5 | $435,000 | $87,000 | $165,000 | $69,000 | $98,000 |
| Credit Application Incomplete | 2 | $520,000 | $260,000 | $305,000 | $92,000 | $143,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $70,000 | $70,000 |
| 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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