Sheridan County, MT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 77 mortgage applications in Sheridan County, MT totaling $11.0 million, up 33% from 2024. The average application was for $142,000, and applicants reported an average income of $105,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Stockman Bank of Montana, with 15 applications, followed by Opportunity Bank of Montana 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 | 77 |
| Total Mortgage Loan Application Amount | $10,955,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $430,000 |
| 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 |
* | $ n/a | 15 | $ 1,345,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 6 | $ 440,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 695,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 150,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 595,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 370,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 340,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 100,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 2 | $ 990,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 140,000 |
| Independence Bank 435 3RD ST HAVRE, MT 59501 |
* | $ n/a | 2 | $ 510,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 65,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 155,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 105,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 255,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 195,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 245,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 225,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 1 | $ 165,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Sheridan 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 Sheridan County, MT in 2025
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 | 35 | $5,355,000 | $153,000 | $325,000 | $100,000 | $375,000 |
| Refinancing | 15 | $2,175,000 | $145,000 | $325,000 | $67,000 | $120,000 |
| Cash-out Refinancing | 10 | $2,320,000 | $232,000 | $885,000 | $122,000 | $430,000 |
| Home Improvement | 10 | $900,000 | $90,000 | $225,000 | $117,000 | $223,000 |
| Other Purpose | 7 | $205,000 | $29,000 | $45,000 | $149,000 | $260,000 |
| 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 | 57 | $7,205,000 | $126,000 | $285,000 | $95,000 | $301,000 |
| Not Provided | 11 | $2,685,000 | $244,000 | $885,000 | $133,000 | $430,000 |
| Not applicable | 3 | $625,000 | $208,000 | $255,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $185,000 | $230,000 | $375,000 |
| Hispanic | 2 | $60,000 | $30,000 | $35,000 | $60,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $201,000 | $201,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $64,000 | $64,000 |
| 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) | 47 | $6,215,000 | $132,000 | $885,000 | $123,000 | $430,000 |
| FHA-insured (Federal Housing Administration) | 24 | $3,690,000 | $153,000 | $235,000 | $68,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 5 | $925,000 | $185,000 | $305,000 | $80,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $84,000 | $84,000 |
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 | 43 | $6,255,000 | $145,000 | $325,000 | $99,000 | $375,000 |
| Application Denied By Financial Institution | 14 | $1,180,000 | $84,000 | $215,000 | $85,000 | $223,000 |
| Application Withdrawn By Applicant | 11 | $2,255,000 | $205,000 | $885,000 | $142,000 | $430,000 |
| File Closed For Incompleteness | 4 | $330,000 | $82,000 | $205,000 | $131,000 | $161,000 |
| Loan Purchased By The Institution | 3 | $625,000 | $208,000 | $255,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Application Approved But Not Accepted | 1 | $145,000 | $145,000 | $145,000 | $140,000 | $140,000 |
| 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 | 61 | $9,265,000 | $151,000 | $885,000 | $105,000 | $430,000 |
| Credit History | 7 | $495,000 | $70,000 | $125,000 | $76,000 | $201,000 |
| Debt-To-Income Ratio | 5 | $895,000 | $179,000 | $325,000 | $193,000 | $375,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $59,000 | $59,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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