Wibaux County, MT Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 16 mortgage applications in Wibaux County, MT totaling $1.7 million, down 16% from 2021. The average application was for $108,000, and applicants reported an average income of $65,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Stockman Bank of Montana, with 5 applications, followed by Mountain America Federal Credit Union and Guaranteed Rate, Inc..
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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 | 16 |
| Total Mortgage Loan Application Amount | $1,740,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $108,000 |
| 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 |
* | $ 5,816,358,000 | 5 | $ 215,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 14,019,893,000 | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,168,170,000 | 1 | $ 65,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 2,253,278,000 | 1 | $ 245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 155,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 45,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2022 mortgage applications in Wibaux 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 Wibaux 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 | 8 | $1,060,000 | $132,000 | $245,000 | $55,000 | $99,000 |
| Cash-out Refinancing | 5 | $445,000 | $89,000 | $215,000 | $78,000 | $107,000 |
| Refinancing | 2 | $220,000 | $110,000 | $155,000 | $96,000 | $108,000 |
| Home Improvement | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 12 | $1,450,000 | $120,000 | $245,000 | $62,000 | $107,000 |
| Not applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Not Provided | 1 | $155,000 | $155,000 | $155,000 | $84,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $108,000 | $108,000 |
| Hispanic | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| 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) | 12 | $1,010,000 | $84,000 | $245,000 | $57,000 | $108,000 |
| FHA-insured (Federal Housing Administration) | 3 | $575,000 | $191,000 | $215,000 | $92,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $75,000 | $75,000 |
| 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 | 9 | $655,000 | $72,000 | $165,000 | $51,000 | $99,000 |
| Application Withdrawn By Applicant | 4 | $660,000 | $165,000 | $245,000 | $84,000 | $108,000 |
| Application Denied By Financial Institution | 2 | $370,000 | $185,000 | $215,000 | $91,000 | $107,000 |
| Loan Purchased By The Institution | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| 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 |
| File Closed For Incompleteness | 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 | 14 | $1,370,000 | $97,000 | $245,000 | $61,000 | $108,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $75,000 | $75,000 |
| Collateral | 1 | $215,000 | $215,000 | $215,000 | $107,000 | $107,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Unverifiable Information | 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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