Wheatland County, MT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 43 mortgage applications in Wheatland County, MT totaling $9.0 million, down 17% from 2024. The average application was for $210,000, and applicants reported an average income of $127,000. 49% of applications resulted in an originated loan and 23% were denied. The most active lender was Stockman Bank of Montana, with 5 applications, followed by Mortgage Research Center and Armed Forces 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 | 43 |
| Total Mortgage Loan Application Amount | $9,045,000 |
| Average Mortgage Loan Application Amount | $210,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $127,000 |
| Highest Applicant Income | $827,000 |
| 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 | 5 | $ 425,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 645,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 2 | $ 350,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 210,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 2 | $ 1,220,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 80,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 320,000 |
| First Montana Bank 201 N HIGGINS AVE MISSOULA, MT 59802 |
* | $ n/a | 2 | $ 690,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 600,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 410,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 1 | $ 35,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 95,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 45,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 125,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 105,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 395,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 295,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ n/a | 1 | $ 1,045,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 45,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 1 | $ 345,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 415,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 1 | $ 145,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Wheatland 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 Wheatland County, MT in 2025
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 | 19 | $5,385,000 | $283,000 | $1,045,000 | $182,000 | $827,000 |
| Cash-out Refinancing | 10 | $2,010,000 | $201,000 | $415,000 | $87,000 | $186,000 |
| Refinancing | 6 | $1,240,000 | $206,000 | $395,000 | $65,000 | $78,000 |
| Other Purpose | 4 | $200,000 | $50,000 | $65,000 | $61,000 | $95,000 |
| Home Improvement | 4 | $210,000 | $52,000 | $105,000 | $80,000 | $102,000 |
| 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 | 27 | $4,185,000 | $155,000 | $345,000 | $94,000 | $305,000 |
| Not Provided | 9 | $3,355,000 | $372,000 | $1,045,000 | $236,000 | $827,000 |
| Not applicable | 4 | $900,000 | $225,000 | $415,000 | $125,000 | $125,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $125,000 | $60,000 | $72,000 |
| Hispanic | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 29 | $5,675,000 | $195,000 | $1,045,000 | $144,000 | $827,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,665,000 | $242,000 | $415,000 | $88,000 | $186,000 |
| FHA-insured (Federal Housing Administration) | 3 | $705,000 | $235,000 | $315,000 | $76,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 21 | $3,925,000 | $186,000 | $1,045,000 | $117,000 | $642,000 |
| Application Denied By Financial Institution | 10 | $2,530,000 | $253,000 | $915,000 | $172,000 | $827,000 |
| Application Withdrawn By Applicant | 6 | $1,380,000 | $230,000 | $345,000 | $112,000 | $181,000 |
| File Closed For Incompleteness | 3 | $565,000 | $188,000 | $415,000 | $84,000 | $179,000 |
| Loan Purchased By The Institution | 3 | $645,000 | $215,000 | $415,000 | $125,000 | $125,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 31 | $5,825,000 | $187,000 | $1,045,000 | $108,000 | $642,000 |
| Collateral | 4 | $1,510,000 | $377,000 | $915,000 | $320,000 | $827,000 |
| Credit Application Incomplete | 3 | $755,000 | $251,000 | $345,000 | $149,000 | $181,000 |
| Debt-To-Income Ratio | 3 | $745,000 | $248,000 | $345,000 | $128,000 | $181,000 |
| Credit History | 2 | $210,000 | $105,000 | $125,000 | $60,000 | $72,000 |
| 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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