Sheridan County, MT Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 140 mortgage applications in Sheridan County, MT totaling $7.6 million, down 27% from 2003. The average application was for $53,000, and applicants reported an average income of $45,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Rocky Mountain Bank, with 36 applications, followed by Stockman Bank of Montana and PHH Mortgage Corporation.
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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 | $7,556,000 |
| Average Mortgage Loan Application Amount | $53,000 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $139,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Rocky Mountain Bank 2615 KING AVE W BILLINGS, MT 59102 |
* | $ 2,000,000,000 | 36 | $ 1,140,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 913,606,000 | 21 | $ 666,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 420,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 8 | $ 729,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 7 | $ 554,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 762,053,000 | 7 | $ 382,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 6 | $ 354,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 5 | $ 332,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 4 | $ 193,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 205,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 191,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 159,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 126,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 2 | $ 110,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 110,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 112,313,000 | 1 | $ 40,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 151,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 1 | $ 45,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 32,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 66,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 27,000 |
| Corestar Financial Group, LLC 1966 GREENSPRING DRIVE, SUITE 610 TIMONIUM, MD 21093 |
* | $ 10,000,000 | 1 | $ 80,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 609,769,000 | 1 | $ 25,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 55,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 64,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 1 | $ 15,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 130,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 130,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 159,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 136,000 |
The tables below break down 2004 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 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 66 | $4,139,000 | $62,000 | $159,000 | $46,000 | $131,000 |
| Home Purchase | 46 | $2,707,000 | $58,000 | $333,000 | $46,000 | $139,000 |
| Home Improvement | 28 | $710,000 | $25,000 | $212,000 | $41,000 | $98,000 |
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 | 109 | $5,756,000 | $52,000 | $333,000 | $49,000 | $139,000 |
| Not Provided | 18 | $1,012,000 | $56,000 | $130,000 | $48,000 | $130,000 |
| Not applicable | 10 | $593,000 | $59,000 | $88,000 | $13,000 | $57,000 |
| Hispanic | 3 | $195,000 | $65,000 | $88,000 | $41,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 123 | $6,958,000 | $56,000 | $333,000 | $46,000 | $139,000 |
| FHA-insured (Federal Housing Administration) | 15 | $422,000 | $28,000 | $64,000 | $37,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 2 | $176,000 | $88,000 | $88,000 | $25,000 | $50,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 76 | $3,003,000 | $39,000 | $212,000 | $47,000 | $131,000 |
| Application Denied By Financial Institution | 22 | $1,594,000 | $72,000 | $136,000 | $38,000 | $74,000 |
| Loan Purchased By The Institution | 20 | $1,174,000 | $58,000 | $95,000 | $29,000 | $80,000 |
| Application Withdrawn By Applicant | 12 | $1,243,000 | $103,000 | $333,000 | $66,000 | $139,000 |
| Application Approved But Not Accepted | 8 | $341,000 | $42,000 | $72,000 | $37,000 | $72,000 |
| File Closed For Incompleteness | 2 | $201,000 | $100,000 | $130,000 | $100,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 4 | $300,000 | $75,000 | $120,000 | $35,000 | $60,000 |
| Collateral | 2 | $47,000 | $23,000 | $32,000 | $4,000 | $8,000 |
| Debt-To-Income Ratio | 2 | $186,000 | $93,000 | $134,000 | $36,000 | $40,000 |
| Credit Application Incomplete | 1 | $27,000 | $27,000 | $27,000 | $31,000 | $31,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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