Toole County, MT Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 114 mortgage applications in Toole County, MT totaling $16.1 million, down 17% from 2013. The average application was for $140,000, and applicants reported an average income of $77,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Stockman Bank of Montana, with 28 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 114 |
| Total Mortgage Loan Application Amount | $16,060,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $979,000 |
| 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 |
* | $ 2,596,037,000 | 28 | $ 5,371,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 22 | $ 2,437,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 9 | $ 1,032,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 8 | $ 985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 630,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,537,959,000 | 4 | $ 500,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 3 | $ 255,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 230,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 265,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 377,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,540,049,000 | 2 | $ 227,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 7,871,150,000 | 2 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 83,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 188,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 35,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 121,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 200,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 266,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 93,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 268,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 91,000 |
| Teton Banks 321 CENTRAL AVE, DRAWER 9 FAIRFIELD, MT 59436 |
* | $ 199,186,000 | 1 | $ 139,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 510,347,000 | 1 | $ 272,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 102,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 135,000 |
The tables below break down 2014 mortgage applications in Toole 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 Toole County, MT in 2014
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 | 64 | $8,078,000 | $126,000 | $270,000 | $58,000 | $203,000 |
| Refinancing | 43 | $7,445,000 | $173,000 | $1,085,000 | $106,000 | $979,000 |
| Home Improvement | 7 | $537,000 | $76,000 | $264,000 | $74,000 | $119,000 |
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 | 86 | $12,631,000 | $146,000 | $1,085,000 | $90,000 | $979,000 |
| Not applicable | 16 | $2,011,000 | $125,000 | $224,000 | $19,000 | $75,000 |
| Not Provided | 9 | $1,124,000 | $124,000 | $219,000 | $62,000 | $119,000 |
| Hispanic | 2 | $204,000 | $102,000 | $102,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 1 | $90,000 | $90,000 | $90,000 | $114,000 | $114,000 |
| 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) | 67 | $10,007,000 | $149,000 | $1,085,000 | $98,000 | $979,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,775,000 | $126,000 | $270,000 | $52,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,666,000 | $119,000 | $198,000 | $36,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,612,000 | $146,000 | $227,000 | $53,000 | $148,000 |
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 | 55 | $8,791,000 | $159,000 | $1,085,000 | $95,000 | $979,000 |
| Application Denied By Financial Institution | 23 | $2,641,000 | $114,000 | $266,000 | $75,000 | $192,000 |
| Loan Purchased By The Institution | 18 | $2,330,000 | $129,000 | $224,000 | $27,000 | $96,000 |
| Application Withdrawn By Applicant | 15 | $1,850,000 | $123,000 | $270,000 | $70,000 | $174,000 |
| Application Approved But Not Accepted | 2 | $180,000 | $90,000 | $93,000 | $129,000 | $200,000 |
| File Closed For Incompleteness | 1 | $268,000 | $268,000 | $268,000 | $80,000 | $80,000 |
| 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 History | 4 | $180,000 | $45,000 | $103,000 | $70,000 | $111,000 |
| Debt-To-Income Ratio | 4 | $412,000 | $103,000 | $181,000 | $71,000 | $114,000 |
| Collateral | 3 | $458,000 | $152,000 | $200,000 | $69,000 | $100,000 |
| Credit Application Incomplete | 2 | $334,000 | $167,000 | $180,000 | $89,000 | $119,000 |
| Other | 1 | $132,000 | $132,000 | $132,000 | $55,000 | $55,000 |
| 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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