Valley County, MT Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 148 mortgage applications in Valley County, MT totaling $27.6 million, down 48% from 2021. The average application was for $186,000, and applicants reported an average income of $104,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 18 applications, followed by United Wholesale Mortgage and Amerisave Mortgage Company.
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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 | 148 |
| Total Mortgage Loan Application Amount | $27,580,000 |
| Average Mortgage Loan Application Amount | $186,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $1,018,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ 1,779,504,000,000 | 18 | $ 3,320,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 13 | $ 2,745,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 885,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 1,025,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 895,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 955,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 4 | $ 320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 760,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 3 | $ 315,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,253,278,000 | 3 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 3 | $ 595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 515,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 320,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 580,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 410,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 5,816,358,000 | 2 | $ 230,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 300,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 480,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 210,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 205,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 205,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 1 | $ 545,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 135,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 25,919,785,000 | 1 | $ 285,000 |
| Amerant Mortgage LLC 226 N KENTUCKY AVE LAKELAND, FL, FL 33801 |
* | $ -1,000 | 1 | $ 925,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 345,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 19,608,230,000 | 1 | $ 85,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 1 | $ 215,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 205,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ 1,487,853,000 | 1 | $ 25,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,474,358,000 | 1 | $ 65,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 315,000 |
| Village Bank & Trust, N.A. 234 WEST NORTH WEST HIGHWAY ARLINGTON HEIGHTS, IL 60004 |
* | $ 2,281,007,000 | 1 | $ 405,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 195,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 175,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerant Bank, N.A. 220 ALHAMBRA CIRCLE MIAMI, FL 33134 |
* | $ 7,622,254,000 | 1 | $ 925,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 65,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 65,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 235,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 1,430,850,000 | 1 | $ 35,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 75,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 395,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 14,019,893,000 | 1 | $ 35,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 162,963,000 | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 155,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 505,000 |
The tables below break down 2022 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 2022
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 | 89 | $17,965,000 | $201,000 | $1,165,000 | $96,000 | $391,000 |
| Cash-out Refinancing | 33 | $6,245,000 | $189,000 | $485,000 | $95,000 | $211,000 |
| Refinancing | 13 | $2,345,000 | $180,000 | $505,000 | $155,000 | $1,018,000 |
| Home Improvement | 7 | $485,000 | $69,000 | $135,000 | $124,000 | $248,000 |
| Other Purpose | 6 | $540,000 | $90,000 | $125,000 | $122,000 | $193,000 |
| 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 | 103 | $19,025,000 | $184,000 | $1,165,000 | $112,000 | $1,018,000 |
| Not Provided | 19 | $2,925,000 | $153,000 | $345,000 | $82,000 | $270,000 |
| Not applicable | 15 | $4,295,000 | $286,000 | $925,000 | $0 | $0 |
| Hispanic | 6 | $770,000 | $128,000 | $175,000 | $80,000 | $255,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $175,000 | $79,000 | $95,000 |
| Black or African American | 2 | $180,000 | $90,000 | $135,000 | $23,000 | $33,000 |
| Asian | 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) | 102 | $19,930,000 | $195,000 | $1,165,000 | $116,000 | $1,018,000 |
| FHA-insured (Federal Housing Administration) | 22 | $3,660,000 | $166,000 | $255,000 | $63,000 | $210,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,550,000 | $182,000 | $345,000 | $78,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,440,000 | $144,000 | $235,000 | $68,000 | $78,000 |
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 | 77 | $13,895,000 | $180,000 | $485,000 | $96,000 | $313,000 |
| Application Denied By Financial Institution | 23 | $4,025,000 | $175,000 | $1,165,000 | $90,000 | $310,000 |
| Application Withdrawn By Applicant | 22 | $3,650,000 | $165,000 | $545,000 | $106,000 | $391,000 |
| Loan Purchased By The Institution | 16 | $4,390,000 | $274,000 | $925,000 | $81,000 | $81,000 |
| File Closed For Incompleteness | 6 | $760,000 | $126,000 | $295,000 | $127,000 | $176,000 |
| Application Approved But Not Accepted | 2 | $690,000 | $345,000 | $505,000 | $558,000 | $1,018,000 |
| Preapproval Approved but not Accepted | 1 | $95,000 | $95,000 | $95,000 | $25,000 | $25,000 |
| Preapproval Denied by Financial Institution | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
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 | 124 | $23,480,000 | $189,000 | $925,000 | $108,000 | $1,018,000 |
| Collateral | 13 | $2,705,000 | $208,000 | $1,165,000 | $126,000 | $310,000 |
| Debt-To-Income Ratio | 6 | $810,000 | $135,000 | $195,000 | $19,000 | $33,000 |
| Credit Application Incomplete | 4 | $560,000 | $140,000 | $205,000 | $86,000 | $191,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $29,000 | $29,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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