In 2010, lenders reported 310 mortgage applications in Beaverhead County, MT totaling $49.0 million, down 27% from 2009. The average application was for $158,000, and applicants reported an average income of $98,000. 46% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank of America, N.A., with 61 applications, followed by Wells Fargo Bank, NA and Stockman Bank of Montana.
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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 | 310 |
| Total Mortgage Loan Application Amount | $49,012,000 |
| Average Mortgage Loan Application Amount | $158,000 |
| Highest Mortgage Loan Application Amount | $2,022,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $6,888,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 61 | $ 7,682,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 59 | $ 7,754,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 1,787,838,000 | 38 | $ 5,153,000 |
| Mountain West Bank, N.A. 1225 CEDAR STREET / PO BOX 6013 HELENA, MT 59604 |
* | $ 803,809,000 | 22 | $ 2,994,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 14 | $ 1,676,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 12 | $ 2,075,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,925,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 10 | $ 1,516,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 10 | $ 7,426,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 8 | $ 1,462,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 1,068,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 951,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 4 | $ 667,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 430,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 499,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 4 | $ 511,000 |
| Farmers State Bank 103 MAIN STREET VICTOR VICTOR, MT 59875 |
* | $ 320,778,000 | 3 | $ 646,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 231,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 8,806,851,000 | 2 | $ 247,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 287,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 278,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 469,723,000 | 2 | $ 404,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 217,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 2,522,940,000 | 1 | $ 125,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 593,916,000 | 1 | $ 150,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 153,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 150,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 105,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 230,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 300,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Trailwest Bank PO BOX 9 LOLO, MT 59847 |
* | $ 208,514,000 | 1 | $ 19,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 73,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 35,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,113,169,000 | 1 | $ 140,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 147,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 70,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 55,000 |
The tables below break down 2010 mortgage applications in Beaverhead County, MT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 |
|---|---|---|---|---|---|---|
| Refinancing | 207 | $35,992,000 | $173,000 | $2,022,000 | $115,000 | $6,888,000 |
| Home Purchase | 86 | $11,373,000 | $132,000 | $309,000 | $63,000 | $189,000 |
| Home Improvement | 17 | $1,647,000 | $96,000 | $200,000 | $68,000 | $300,000 |
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 | 259 | $39,291,000 | $151,000 | $2,022,000 | $110,000 | $6,888,000 |
| Not applicable | 27 | $6,094,000 | $225,000 | $1,777,000 | $13,000 | $125,000 |
| Not Provided | 17 | $2,542,000 | $149,000 | $373,000 | $62,000 | $192,000 |
| Hispanic | 4 | $567,000 | $141,000 | $235,000 | $86,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $424,000 | $212,000 | $279,000 | $117,000 | $160,000 |
| Black or African American | 1 | $94,000 | $94,000 | $94,000 | $29,000 | $29,000 |
| 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) | 235 | $38,330,000 | $163,000 | $2,022,000 | $114,000 | $6,888,000 |
| FHA-insured (Federal Housing Administration) | 62 | $8,365,000 | $134,000 | $276,000 | $52,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,961,000 | $178,000 | $355,000 | $35,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $356,000 | $178,000 | $182,000 | $55,000 | $55,000 |
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 | 143 | $25,131,000 | $175,000 | $2,022,000 | $143,000 | $6,888,000 |
| Loan Purchased By The Institution | 61 | $9,012,000 | $147,000 | $324,000 | $44,000 | $310,000 |
| Application Denied By Financial Institution | 51 | $7,231,000 | $141,000 | $413,000 | $76,000 | $400,000 |
| Application Withdrawn By Applicant | 26 | $3,970,000 | $152,000 | $336,000 | $65,000 | $162,000 |
| Application Approved But Not Accepted | 21 | $2,700,000 | $128,000 | $417,000 | $63,000 | $258,000 |
| File Closed For Incompleteness | 8 | $968,000 | $121,000 | $294,000 | $52,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 14 | $2,016,000 | $144,000 | $377,000 | $53,000 | $130,000 |
| Collateral | 7 | $924,000 | $132,000 | $176,000 | $94,000 | $143,000 |
| Other | 6 | $784,000 | $130,000 | $276,000 | $70,000 | $118,000 |
| Credit History | 4 | $760,000 | $190,000 | $413,000 | $85,000 | $117,000 |
| Credit Application Incomplete | 3 | $223,000 | $74,000 | $101,000 | $41,000 | $53,000 |
| Unverifiable Information | 2 | $273,000 | $136,000 | $147,000 | $141,000 | $257,000 |
| 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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