Toole County, MT Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 88 mortgage applications in Toole County, MT totaling $16.8 million, down 38% from 2023. The average application was for $190,000, and applicants reported an average income of $92,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Stockman Bank of Montana, with 15 applications, followed by United Wholesale Mortgage and Mortgage Research Center.
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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 | 88 |
| Total Mortgage Loan Application Amount | $16,780,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $1,595,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $660,000 |
| 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 | $ 2,745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,490,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 960,000 |
| Independence Bank 435 3RD ST HAVRE, MT 59501 |
* | $ n/a | 4 | $ 770,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ n/a | 4 | $ 380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 625,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 245,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 985,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 260,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 90,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 360,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 2 | $ 480,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 2 | $ 240,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 50,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 110,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 235,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 1 | $ 385,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 355,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 265,000 |
| Ascent Bank 1721 11TH AVE HELENA, MT 59601 |
* | $ n/a | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 385,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 215,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 165,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 1,595,000 |
The tables below break down 2024 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 2024
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 | 58 | $11,810,000 | $203,000 | $565,000 | $99,000 | $660,000 |
| Cash-out Refinancing | 12 | $3,010,000 | $250,000 | $1,595,000 | $83,000 | $159,000 |
| Refinancing | 7 | $1,275,000 | $182,000 | $265,000 | $58,000 | $132,000 |
| Home Improvement | 6 | $350,000 | $58,000 | $105,000 | $71,000 | $114,000 |
| Other Purpose | 5 | $335,000 | $67,000 | $85,000 | $100,000 | $173,000 |
| 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 | 61 | $9,915,000 | $162,000 | $385,000 | $79,000 | $173,000 |
| Not applicable | 11 | $3,915,000 | $355,000 | $1,595,000 | $0 | $0 |
| Not Provided | 10 | $1,840,000 | $184,000 | $445,000 | $121,000 | $425,000 |
| Hispanic | 4 | $860,000 | $215,000 | $565,000 | $218,000 | $660,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $120,000 | $120,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 56 | $10,430,000 | $186,000 | $1,595,000 | $101,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 18 | $3,270,000 | $181,000 | $275,000 | $77,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,915,000 | $224,000 | $355,000 | $66,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $70,000 | $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 | 48 | $10,550,000 | $219,000 | $1,595,000 | $102,000 | $660,000 |
| Application Denied By Financial Institution | 12 | $1,050,000 | $87,000 | $355,000 | $72,000 | $166,000 |
| Application Withdrawn By Applicant | 12 | $1,740,000 | $145,000 | $245,000 | $81,000 | $149,000 |
| Loan Purchased By The Institution | 9 | $2,295,000 | $255,000 | $445,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $655,000 | $131,000 | $205,000 | $70,000 | $111,000 |
| Application Approved But Not Accepted | 2 | $490,000 | $245,000 | $265,000 | $76,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 72 | $14,950,000 | $207,000 | $1,595,000 | $88,000 | $425,000 |
| Debt-To-Income Ratio | 9 | $1,115,000 | $123,000 | $565,000 | $125,000 | $660,000 |
| Credit Application Incomplete | 5 | $665,000 | $133,000 | $355,000 | $77,000 | $99,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $101,000 | $101,000 |
| 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 |
| Collateral | 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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