Wheatland County, MT Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 29 mortgage applications in Wheatland County, MT totaling $6.1 million, down 46% from 2018. The average application was for $211,000, and applicants reported an average income of $133,000. 34% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank NA, with 5 applications, followed by Opportunity Bank of Montana and Guild 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 | 29 |
| Total Mortgage Loan Application Amount | $6,125,000 |
| Average Mortgage Loan Application Amount | $211,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $1,525,000 |
| 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 |
* | $ 1,689,351,000,000 | 5 | $ 345,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 843,686,000 | 3 | $ 555,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 360,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 60,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 175,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 75,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 3,005,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 36,070,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 145,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 13,089,983,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 75,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 155,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,648,810,000 | 1 | $ 145,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 13,239,925,000 | 1 | $ 5,000 |
The tables below break down 2019 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 2019
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 | 12 | $4,220,000 | $351,000 | $3,005,000 | $215,000 | $1,525,000 |
| Cash-out Refinancing | 9 | $1,485,000 | $165,000 | $205,000 | $84,000 | $200,000 |
| Home Improvement | 4 | $120,000 | $30,000 | $65,000 | $106,000 | $234,000 |
| Not Applicable | 2 | $230,000 | $115,000 | $155,000 | $0 | $0 |
| Other Purpose | 2 | $70,000 | $35,000 | $65,000 | $25,000 | $35,000 |
| Refinancing | 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 | 20 | $4,980,000 | $249,000 | $3,005,000 | $142,000 | $1,525,000 |
| Not applicable | 5 | $535,000 | $107,000 | $175,000 | $0 | $0 |
| Not Provided | 2 | $260,000 | $130,000 | $205,000 | $110,000 | $200,000 |
| American Indian or Alaskan Native | 1 | $195,000 | $195,000 | $195,000 | $105,000 | $105,000 |
| Hispanic | 1 | $155,000 | $155,000 | $155,000 | $36,000 | $36,000 |
| 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) | 16 | $4,420,000 | $276,000 | $3,005,000 | $180,000 | $1,525,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,075,000 | $153,000 | $195,000 | $75,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 3 | $325,000 | $108,000 | $195,000 | $49,000 | $78,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $305,000 | $101,000 | $155,000 | $35,000 | $48,000 |
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 | 10 | $4,140,000 | $414,000 | $3,005,000 | $199,000 | $1,525,000 |
| Application Denied By Financial Institution | 9 | $865,000 | $96,000 | $205,000 | $99,000 | $234,000 |
| Loan Purchased By The Institution | 6 | $700,000 | $116,000 | $175,000 | $79,000 | $79,000 |
| Application Withdrawn By Applicant | 3 | $365,000 | $121,000 | $155,000 | $51,000 | $70,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $49,000 | $49,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 20 | $5,260,000 | $263,000 | $3,005,000 | $151,000 | $1,525,000 |
| Credit History | 5 | $125,000 | $25,000 | $65,000 | $83,000 | $234,000 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $200,000 | $200,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $83,000 | $83,000 |
| Collateral | 1 | $195,000 | $195,000 | $195,000 | $78,000 | $78,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $105,000 | $105,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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