Valley County, MT Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 258 mortgage applications in Valley County, MT totaling $33.9 million, up 22% from 2012. The average application was for $131,000, and applicants reported an average income of $67,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 91 applications, followed by US Bank, N.A. and Universal Lending 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 | 258 |
| Total Mortgage Loan Application Amount | $33,883,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $527,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $900,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 91 | $ 11,018,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 42 | $ 5,422,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 23 | $ 2,981,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,382,417,000 | 8 | $ 1,791,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,694,310,000 | 8 | $ 904,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,482,504,000 | 6 | $ 761,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 5 | $ 503,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 4 | $ 490,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 4 | $ 742,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 573,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 469,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 630,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 346,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 234,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 414,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,211,048,000 | 2 | $ 223,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 322,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 2 | $ 228,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 315,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 279,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 243,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 114,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 478,049,000 | 1 | $ 132,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,549,573,000 | 1 | $ 188,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 7,681,182,000 | 1 | $ 140,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 1 | $ 76,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 9,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ 103,397,000 | 1 | $ 121,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 86,270,000 | 1 | $ 134,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 257,000 |
| Premia Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,779,509,000 | 1 | $ 48,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 120,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 172,000 |
The tables below break down 2013 mortgage applications in Valley 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 Valley County, MT in 2013
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 | 129 | $16,371,000 | $126,000 | $527,000 | $73,000 | $900,000 |
| Home Purchase | 104 | $15,214,000 | $146,000 | $335,000 | $63,000 | $376,000 |
| Home Improvement | 25 | $2,298,000 | $91,000 | $350,000 | $55,000 | $169,000 |
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 | 192 | $24,279,000 | $126,000 | $417,000 | $82,000 | $900,000 |
| Not applicable | 50 | $7,398,000 | $147,000 | $527,000 | $3,000 | $89,000 |
| Not Provided | 8 | $1,350,000 | $168,000 | $306,000 | $102,000 | $200,000 |
| Hispanic | 5 | $459,000 | $91,000 | $126,000 | $75,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $114,000 | $114,000 | $114,000 | $77,000 | $77,000 |
| Asian | 1 | $280,000 | $280,000 | $280,000 | $141,000 | $141,000 |
| Black or African American | 1 | $3,000 | $3,000 | $3,000 | $36,000 | $36,000 |
| 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) | 183 | $24,237,000 | $132,000 | $527,000 | $78,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 34 | $4,401,000 | $129,000 | $250,000 | $36,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,895,000 | $115,000 | $179,000 | $36,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,350,000 | $146,000 | $269,000 | $54,000 | $101,000 |
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 | 144 | $18,659,000 | $129,000 | $374,000 | $81,000 | $900,000 |
| Loan Purchased By The Institution | 59 | $7,600,000 | $128,000 | $271,000 | $22,000 | $217,000 |
| Application Denied By Financial Institution | 31 | $3,983,000 | $128,000 | $527,000 | $60,000 | $378,000 |
| Application Withdrawn By Applicant | 14 | $2,048,000 | $146,000 | $390,000 | $105,000 | $472,000 |
| Application Approved But Not Accepted | 8 | $1,213,000 | $151,000 | $311,000 | $82,000 | $156,000 |
| File Closed For Incompleteness | 2 | $380,000 | $190,000 | $260,000 | $165,000 | $170,000 |
| 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 | 10 | $640,000 | $64,000 | $143,000 | $51,000 | $84,000 |
| Collateral | 5 | $1,001,000 | $200,000 | $417,000 | $136,000 | $378,000 |
| Credit Application Incomplete | 2 | $420,000 | $210,000 | $350,000 | $37,000 | $75,000 |
| Employment History | 2 | $39,000 | $19,000 | $30,000 | $68,000 | $88,000 |
| Other | 2 | $207,000 | $103,000 | $175,000 | $61,000 | $70,000 |
| Unverifiable Information | 1 | $128,000 | $128,000 | $128,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $127,000 | $127,000 | $127,000 | $33,000 | $33,000 |
| Debt-To-Income Ratio | 1 | $90,000 | $90,000 | $90,000 | $52,000 | $52,000 |
| 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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