In 2015, lenders reported 125 mortgage applications in Sweet Grass County, MT totaling $23.0 million, up 6% from 2014. The average application was for $183,000, and applicants reported an average income of $72,000. 52% of applications resulted in an originated loan and 13% were denied. The most active lender was Opportunity Bank of Montana, with 17 applications, followed by Flagstar Bank 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 | 125 |
| Total Mortgage Loan Application Amount | $22,989,000 |
| Average Mortgage Loan Application Amount | $183,000 |
| Highest Mortgage Loan Application Amount | $792,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $574,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 555,380,000 | 17 | $ 3,387,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 9 | $ 1,670,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 8,576,299,000 | 9 | $ 2,507,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 915,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 8 | $ 1,477,000 |
| Citizens Bank and Trust Co. PO BOX 847 BIG TIMBER, MT 59011 |
* | $ 110,966,000 | 7 | $ 528,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 471,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,016,833,000 | 4 | $ 912,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 3 | $ 412,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 491,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 339,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 609,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 411,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 2 | $ 239,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 334,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ 205,605,000 | 2 | $ 312,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 342,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 312,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 326,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 646,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 2 | $ 458,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 428,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 1 | $ 176,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 232,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 403,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 177,000 |
| Bank of Bridger, N.A. PO BOX 447, 101 SOUTH MAIN STREET BRIDGER, MT 59014 |
* | $ 374,098,000 | 1 | $ 160,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 8,288,508,000 | 1 | $ 220,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 302,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 143,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 81,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 189,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 155,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 224,189,000 | 1 | $ 150,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 1 | $ 400,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 143,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 96,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 82,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Province Mortgage Associates, Inc. 50 OFFICE PARKWAY EAST PROVIDENCE, RI 02914 |
* | $ 1,297,000 | 1 | $ 109,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 612,661,000 | 1 | $ 140,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 168,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 123,000 |
The tables below break down 2015 mortgage applications in Sweet Grass 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 | 74 | $13,621,000 | $184,000 | $792,000 | $76,000 | $574,000 |
| Refinancing | 49 | $9,037,000 | $184,000 | $417,000 | $66,000 | $253,000 |
| Home Improvement | 2 | $331,000 | $165,000 | $208,000 | $60,000 | $67,000 |
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 | 89 | $15,834,000 | $177,000 | $417,000 | $81,000 | $574,000 |
| Not applicable | 23 | $4,287,000 | $186,000 | $403,000 | $15,000 | $96,000 |
| Not Provided | 10 | $2,201,000 | $220,000 | $792,000 | $115,000 | $501,000 |
| Hispanic | 2 | $263,000 | $131,000 | $153,000 | $53,000 | $55,000 |
| American Indian or Alaskan Native | 1 | $404,000 | $404,000 | $404,000 | $199,000 | $199,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 72 | $13,776,000 | $191,000 | $792,000 | $98,000 | $574,000 |
| FHA-insured (Federal Housing Administration) | 25 | $4,652,000 | $186,000 | $270,000 | $38,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,912,000 | $161,000 | $304,000 | $35,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,649,000 | $164,000 | $232,000 | $32,000 | $70,000 |
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 | 65 | $11,814,000 | $181,000 | $792,000 | $89,000 | $574,000 |
| Loan Purchased By The Institution | 25 | $4,632,000 | $185,000 | $403,000 | $20,000 | $96,000 |
| Application Denied By Financial Institution | 16 | $2,284,000 | $142,000 | $297,000 | $71,000 | $168,000 |
| Application Withdrawn By Applicant | 13 | $2,318,000 | $178,000 | $304,000 | $60,000 | $103,000 |
| File Closed For Incompleteness | 3 | $1,063,000 | $354,000 | $417,000 | $160,000 | $253,000 |
| Application Approved But Not Accepted | 3 | $878,000 | $292,000 | $381,000 | $96,000 | $196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 3 | $524,000 | $174,000 | $297,000 | $99,000 | $168,000 |
| Credit History | 3 | $399,000 | $133,000 | $220,000 | $94,000 | $168,000 |
| Debt-To-Income Ratio | 1 | $150,000 | $150,000 | $150,000 | $22,000 | $22,000 |
| Other | 1 | $189,000 | $189,000 | $189,000 | $29,000 | $29,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $165,000 | $165,000 |
| Collateral | 1 | $186,000 | $186,000 | $186,000 | $60,000 | $60,000 |
| 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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