Valley County, MT Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 160 mortgage applications in Valley County, MT totaling $23.1 million, down 38% from 2013. The average application was for $144,000, and applicants reported an average income of $73,000. 58% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank NA, with 39 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 | 160 |
| Total Mortgage Loan Application Amount | $23,094,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $642,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $878,000 |
| 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 |
* | $ 1,373,600,000,000 | 39 | $ 4,774,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 24 | $ 3,043,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 11 | $ 1,823,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 8 | $ 1,181,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,596,037,000 | 8 | $ 1,903,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 809,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 5 | $ 539,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 4 | $ 700,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 495,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,537,959,000 | 3 | $ 470,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 467,443,000 | 2 | $ 139,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 295,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 331,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 434,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,540,049,000 | 2 | $ 212,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 218,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 114,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 7,871,150,000 | 1 | $ 94,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 158,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 93,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 208,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 240,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ 107,508,000 | 1 | $ 208,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,632,682,000 | 1 | $ 325,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 507,045,000 | 1 | $ 152,000 |
The tables below break down 2014 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 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 | 78 | $12,026,000 | $154,000 | $350,000 | $62,000 | $793,000 |
| Refinancing | 70 | $9,864,000 | $140,000 | $642,000 | $76,000 | $552,000 |
| Home Improvement | 12 | $1,204,000 | $100,000 | $223,000 | $132,000 | $878,000 |
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 | 114 | $16,456,000 | $144,000 | $642,000 | $93,000 | $878,000 |
| Not applicable | 29 | $3,916,000 | $135,000 | $280,000 | $2,000 | $84,000 |
| Not Provided | 13 | $2,187,000 | $168,000 | $371,000 | $64,000 | $117,000 |
| American Indian or Alaskan Native | 4 | $535,000 | $133,000 | $208,000 | $60,000 | $78,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 101 | $14,462,000 | $143,000 | $642,000 | $88,000 | $878,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,179,000 | $151,000 | $280,000 | $36,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,935,000 | $146,000 | $220,000 | $65,000 | $116,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,518,000 | $139,000 | $208,000 | $46,000 | $138,000 |
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 | 93 | $14,241,000 | $153,000 | $642,000 | $101,000 | $878,000 |
| Loan Purchased By The Institution | 37 | $5,239,000 | $141,000 | $280,000 | $12,000 | $84,000 |
| Application Denied By Financial Institution | 21 | $2,156,000 | $102,000 | $191,000 | $52,000 | $143,000 |
| Application Withdrawn By Applicant | 5 | $879,000 | $175,000 | $350,000 | $87,000 | $165,000 |
| File Closed For Incompleteness | 3 | $485,000 | $161,000 | $225,000 | $68,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $94,000 | $94,000 | $94,000 | $187,000 | $187,000 |
| 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 | 5 | $308,000 | $61,000 | $141,000 | $52,000 | $115,000 |
| Debt-To-Income Ratio | 5 | $450,000 | $90,000 | $134,000 | $41,000 | $69,000 |
| Collateral | 3 | $394,000 | $131,000 | $184,000 | $73,000 | $143,000 |
| Other | 2 | $109,000 | $54,000 | $92,000 | $37,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $24,000 | $24,000 | $24,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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