Fergus County, MT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 419 mortgage applications in Fergus County, MT totaling $56.0 million, down 17% from 2010. The average application was for $133,000, and applicants reported an average income of $56,000. 51% of applications resulted in an originated loan and 13% were denied. The most active lender was Wells Fargo Bank NA, with 158 applications, followed by Western Security Bank and Wells Fargo Funding, 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 | 419 |
| Total Mortgage Loan Application Amount | $56,047,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $250,000 |
| 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 |
* | $ 1,104,833,000,000 | 158 | $ 19,464,000 |
| Western Security Bank 2812 1ST AVE NORTH BILLINGS, MT 59101 |
* | $ 766,681,000 | 84 | $ 12,257,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 26 | $ 3,912,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 18 | $ 2,253,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 2,671,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 16 | $ 1,869,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 10 | $ 2,023,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 10 | $ 1,079,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,009,048,000 | 7 | $ 923,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 977,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 7 | $ 912,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 781,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,473,004,000 | 6 | $ 543,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 5 | $ 672,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 574,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 113,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 761,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 2 | $ 336,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 99,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 151,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 45,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 46,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 77,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 140,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 94,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 91,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 68,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 21,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 79,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 146,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 284,000 |
| First Security Bank of Missoul 1704 DEARBORN AVE MISSOULA, MT 59801 |
* | $ 1,005,996,000 | 1 | $ 49,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 77,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 48,000 |
The tables below break down 2011 mortgage applications in Fergus 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 Fergus County, MT in 2011
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 | 262 | $37,455,000 | $142,000 | $975,000 | $58,000 | $250,000 |
| Home Purchase | 125 | $15,634,000 | $125,000 | $395,000 | $51,000 | $196,000 |
| Home Improvement | 32 | $2,958,000 | $92,000 | $245,000 | $61,000 | $160,000 |
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 | 353 | $45,070,000 | $127,000 | $404,000 | $60,000 | $250,000 |
| Not applicable | 36 | $5,554,000 | $154,000 | $975,000 | $8,000 | $103,000 |
| Not Provided | 25 | $4,768,000 | $190,000 | $338,000 | $75,000 | $172,000 |
| American Indian or Alaskan Native | 3 | $296,000 | $98,000 | $103,000 | $49,000 | $61,000 |
| Asian | 1 | $176,000 | $176,000 | $176,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $183,000 | $183,000 | $183,000 | $58,000 | $58,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 298 | $40,970,000 | $137,000 | $975,000 | $61,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 83 | $9,671,000 | $116,000 | $267,000 | $41,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 21 | $3,758,000 | $178,000 | $338,000 | $49,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,648,000 | $96,000 | $173,000 | $39,000 | $70,000 |
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 | 212 | $28,150,000 | $132,000 | $404,000 | $62,000 | $250,000 |
| Loan Purchased By The Institution | 111 | $15,538,000 | $139,000 | $395,000 | $44,000 | $150,000 |
| Application Denied By Financial Institution | 54 | $7,290,000 | $135,000 | $975,000 | $52,000 | $160,000 |
| Application Approved But Not Accepted | 18 | $1,885,000 | $104,000 | $334,000 | $64,000 | $129,000 |
| Application Withdrawn By Applicant | 15 | $1,839,000 | $122,000 | $337,000 | $51,000 | $111,000 |
| File Closed For Incompleteness | 9 | $1,345,000 | $149,000 | $280,000 | $62,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $1,536,000 | $109,000 | $300,000 | $66,000 | $160,000 |
| Collateral | 12 | $1,720,000 | $143,000 | $226,000 | $58,000 | $119,000 |
| Debt-To-Income Ratio | 10 | $2,164,000 | $216,000 | $975,000 | $28,000 | $82,000 |
| Credit Application Incomplete | 5 | $613,000 | $122,000 | $296,000 | $29,000 | $74,000 |
| Other | 5 | $388,000 | $77,000 | $107,000 | $52,000 | $90,000 |
| Employment History | 4 | $436,000 | $109,000 | $196,000 | $70,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $40,000 | $40,000 | $40,000 | $49,000 | $49,000 |
| 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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