Carter County, MT Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 21 mortgage applications in Carter County, MT totaling $5.5 million, up 50% from 2005. The average application was for $264,000, and applicants reported an average income of $290,000. 76% of applications resulted in an originated loan and 5% were denied. The most active lender was Stockman Bank of Montana, with 11 applications, followed by Washington Mutual Bank and USAA Federal Savings Bank.
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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 | 21 |
| Total Mortgage Loan Application Amount | $5,548,000 |
| Average Mortgage Loan Application Amount | $264,000 |
| Highest Mortgage Loan Application Amount | $1,512,000 |
| Average Applicant Income | $290,000 |
| Highest Applicant Income | $1,436,000 |
Top Mortgage Lenders in Carter County, MT (2006)
Ranked by the number of mortgage applications each lender reported in Carter County, MT in 2006.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Stockman Bank of Montana Miles City, MT |
11 | $4,753,000 | $432,000 | $501,000 |
| 2 | Washington Mutual Bank Albion, NY |
2 | $259,000 | $129,000 | $0 |
| 3 | USAA Federal Savings Bank San Antonio, TX |
1 | $68,000 | $68,000 | $37,000 |
| 4 | Ally Bank F/K/A/ Gmac Bank Ft. Washington, PA |
1 | $75,000 | $75,000 | $0 |
| 5 | First Western Bank Sturgis Sturgis, SD |
1 | $5,000 | $5,000 | $334,000 |
| 6 | Citifinancial, Inc. Baltimore, MD |
1 | $26,000 | $26,000 | $55,000 |
| 7 | First Interstate Bank Billings, MT |
1 | $19,000 | $19,000 | $48,000 |
| 8 | Agwest Farm Credit, Flca Spokane, WA |
1 | $200,000 | $200,000 | $32,000 |
| 9 | PHH Mortgage Corporation West Palm Beach, FL |
1 | $68,000 | $68,000 | $37,000 |
The tables below break down 2006 mortgage applications in Carter 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 Carter County, MT in 2006
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 | 10 | $2,269,000 | $226,000 | $1,262,000 | $382,000 | $1,436,000 |
| Refinancing | 10 | $3,236,000 | $323,000 | $1,512,000 | $219,000 | $1,436,000 |
| Home Improvement | 1 | $43,000 | $43,000 | $43,000 | $80,000 | $80,000 |
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 | 13 | $3,947,000 | $303,000 | $1,512,000 | $406,000 | $1,436,000 |
| Not applicable | 7 | $1,401,000 | $200,000 | $450,000 | $110,000 | $449,000 |
| American Indian or Alaskan Native | 1 | $200,000 | $200,000 | $200,000 | $41,000 | $41,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 19 | $5,412,000 | $284,000 | $1,512,000 | $317,000 | $1,436,000 |
| VA-guaranteed (Veterans Administration) | 2 | $136,000 | $68,000 | $68,000 | $37,000 | $37,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 16 | $5,120,000 | $320,000 | $1,512,000 | $375,000 | $1,436,000 |
| Loan Purchased By The Institution | 4 | $402,000 | $100,000 | $200,000 | $9,000 | $37,000 |
| Application Denied By Financial Institution | 1 | $26,000 | $26,000 | $26,000 | $55,000 | $55,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 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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