Pondera County, MT Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 145 mortgage applications in Pondera County, MT totaling $18.2 million, down 2% from 2017. The average application was for $125,000, and applicants reported an average income of $63,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was Stockman Bank of Montana, with 28 applications, followed by Fairway Independent Mort Corp and United Wholesale Mortgage.
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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 | 145 |
| Total Mortgage Loan Application Amount | $18,205,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $268,000 |
| 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 |
* | $ 3,522,047,000 | 28 | $ 2,820,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 17 | $ 1,885,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 11 | $ 1,675,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 9 | $ 1,215,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 168,352,000 | 7 | $ 845,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 7 | $ 1,755,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 6 | $ 610,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 855,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 101,949,000 | 4 | $ 200,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 370,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 665,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 465,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 395,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 285,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 270,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 12,151,833,000 | 2 | $ 180,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 701,960,000 | 2 | $ 460,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 140,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 80,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 125,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 45,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 135,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 115,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 115,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 145,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 95,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 115,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 185,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 285,000 |
The tables below break down 2018 mortgage applications in Pondera 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 Pondera County, MT in 2018
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 | 78 | $9,960,000 | $127,000 | $635,000 | $60,000 | $268,000 |
| Cash-out Refinancing | 35 | $5,245,000 | $149,000 | $405,000 | $69,000 | $243,000 |
| Refinancing | 15 | $1,635,000 | $109,000 | $175,000 | $50,000 | $86,000 |
| Other Purpose | 11 | $715,000 | $65,000 | $365,000 | $73,000 | $194,000 |
| Home Improvement | 3 | $345,000 | $115,000 | $225,000 | $92,000 | $152,000 |
| Not Applicable | 3 | $305,000 | $101,000 | $145,000 | $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 | 117 | $14,585,000 | $124,000 | $635,000 | $63,000 | $268,000 |
| Not applicable | 14 | $1,900,000 | $135,000 | $285,000 | $51,000 | $55,000 |
| Not Provided | 9 | $1,075,000 | $119,000 | $175,000 | $61,000 | $102,000 |
| Black or African American | 2 | $350,000 | $175,000 | $175,000 | $42,000 | $44,000 |
| Hispanic | 2 | $110,000 | $55,000 | $55,000 | $16,000 | $33,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $177,000 | $177,000 |
| Asian | 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) | 88 | $10,540,000 | $119,000 | $635,000 | $63,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,520,000 | $114,000 | $155,000 | $67,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $2,085,000 | $109,000 | $175,000 | $45,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,060,000 | $191,000 | $285,000 | $79,000 | $243,000 |
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 | 81 | $9,935,000 | $122,000 | $635,000 | $65,000 | $268,000 |
| Application Denied By Financial Institution | 24 | $3,160,000 | $131,000 | $365,000 | $51,000 | $152,000 |
| Loan Purchased By The Institution | 20 | $2,590,000 | $129,000 | $285,000 | $55,000 | $86,000 |
| Application Withdrawn By Applicant | 14 | $1,660,000 | $118,000 | $405,000 | $68,000 | $243,000 |
| File Closed For Incompleteness | 4 | $510,000 | $127,000 | $185,000 | $89,000 | $177,000 |
| Application Approved But Not Accepted | 2 | $350,000 | $175,000 | $225,000 | $61,000 | $67,000 |
| 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 | 121 | $15,045,000 | $124,000 | $635,000 | $65,000 | $268,000 |
| Debt-To-Income Ratio | 8 | $950,000 | $118,000 | $365,000 | $36,000 | $74,000 |
| Collateral | 7 | $795,000 | $113,000 | $165,000 | $53,000 | $81,000 |
| Other | 3 | $595,000 | $198,000 | $265,000 | $65,000 | $91,000 |
| Credit History | 3 | $485,000 | $161,000 | $365,000 | $91,000 | $152,000 |
| Employment History | 2 | $230,000 | $115,000 | $175,000 | $22,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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