Pondera County, MT Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 140 mortgage applications in Pondera County, MT totaling $19.4 million, down 3% from 2018. The average application was for $138,000, and applicants reported an average income of $73,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was Stockman Bank of Montana, with 29 applications, followed by Wells Fargo Bank NA 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 | 140 |
| Total Mortgage Loan Application Amount | $19,440,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $300,000 |
| 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 | 29 | $ 3,355,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 13 | $ 1,385,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 1,465,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 171,543,000 | 9 | $ 885,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 8 | $ 1,190,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 843,686,000 | 6 | $ 1,040,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 575,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 1,085,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 945,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 3 | $ 465,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 535,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 485,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 610,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 310,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 12,102,845,000 | 2 | $ 90,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 300,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 280,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 490,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 104,767,000 | 2 | $ 120,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 13,239,925,000 | 2 | $ 240,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,039,284,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 35,000 |
| Montana Federal Credit Union 15 14TH STREET SOUTH GREAT FALLS, MT 59401 |
* | $ 240,511,000 | 1 | $ 135,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 205,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 195,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 175,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 195,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 241,136,000 | 1 | $ 45,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 195,000 |
The tables below break down 2019 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 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 | 70 | $10,200,000 | $145,000 | $315,000 | $77,000 | $300,000 |
| Cash-out Refinancing | 37 | $4,395,000 | $118,000 | $295,000 | $68,000 | $125,000 |
| Refinancing | 22 | $4,050,000 | $184,000 | $325,000 | $80,000 | $183,000 |
| Other Purpose | 6 | $210,000 | $35,000 | $85,000 | $48,000 | $122,000 |
| Home Improvement | 4 | $470,000 | $117,000 | $205,000 | $72,000 | $94,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 109 | $15,545,000 | $142,000 | $325,000 | $74,000 | $205,000 |
| Not Provided | 12 | $1,510,000 | $125,000 | $225,000 | $72,000 | $300,000 |
| Not applicable | 11 | $1,545,000 | $140,000 | $255,000 | $41,000 | $41,000 |
| American Indian or Alaskan Native | 5 | $495,000 | $99,000 | $225,000 | $50,000 | $101,000 |
| Black or African American | 2 | $240,000 | $120,000 | $125,000 | $80,000 | $82,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $96,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 93 | $11,955,000 | $128,000 | $325,000 | $78,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,890,000 | $162,000 | $305,000 | $66,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,830,000 | $176,000 | $295,000 | $64,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $765,000 | $109,000 | $135,000 | $49,000 | $64,000 |
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 | 83 | $11,015,000 | $132,000 | $325,000 | $71,000 | $195,000 |
| Application Withdrawn By Applicant | 21 | $2,735,000 | $130,000 | $295,000 | $86,000 | $205,000 |
| Application Denied By Financial Institution | 16 | $2,260,000 | $141,000 | $305,000 | $70,000 | $300,000 |
| Loan Purchased By The Institution | 13 | $2,305,000 | $177,000 | $305,000 | $57,000 | $74,000 |
| File Closed For Incompleteness | 4 | $690,000 | $172,000 | $295,000 | $59,000 | $103,000 |
| Application Approved But Not Accepted | 2 | $310,000 | $155,000 | $195,000 | $124,000 | $149,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
| 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 | 124 | $17,180,000 | $138,000 | $325,000 | $74,000 | $205,000 |
| Collateral | 4 | $240,000 | $60,000 | $105,000 | $29,000 | $35,000 |
| Credit History | 4 | $630,000 | $157,000 | $305,000 | $38,000 | $61,000 |
| Debt-To-Income Ratio | 3 | $615,000 | $205,000 | $245,000 | $57,000 | $60,000 |
| Employment History | 2 | $330,000 | $165,000 | $215,000 | $184,000 | $300,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $125,000 | $125,000 |
| Other | 1 | $215,000 | $215,000 | $215,000 | $90,000 | $90,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $52,000 | $52,000 |
| 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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