Golden Valley County, MT Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 26 mortgage applications in Golden Valley County, MT totaling $5.5 million, up 24% from 2011. The average application was for $212,000, and applicants reported an average income of $89,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 7 applications, followed by Stockman Bank of Montana and Valley Financial Credit Union.
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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 | 26 |
| Total Mortgage Loan Application Amount | $5,528,000 |
| Average Mortgage Loan Application Amount | $212,000 |
| Highest Mortgage Loan Application Amount | $1,320,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $663,000 |
| 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 |
* | $ 1,161,490,000,000 | 7 | $ 1,284,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,132,797,000 | 3 | $ 730,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ 170,603,000 | 2 | $ 85,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 2 | $ 439,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,294,743,000 | 2 | $ 507,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 201,720,000 | 1 | $ 63,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 9,207,809,000 | 1 | $ 168,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 154,241,000 | 1 | $ 232,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 10,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 81,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 440,804,000 | 1 | $ 1,320,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 2,274,641,000 | 1 | $ 251,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 65,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 192,000 |
The tables below break down 2012 mortgage applications in Golden Valley 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 Golden Valley County, MT in 2012
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 | 15 | $4,588,000 | $305,000 | $1,320,000 | $118,000 | $663,000 |
| Home Purchase | 7 | $851,000 | $121,000 | $188,000 | $58,000 | $76,000 |
| Home Improvement | 4 | $89,000 | $22,000 | $65,000 | $34,000 | $65,000 |
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 | 23 | $4,878,000 | $212,000 | $1,320,000 | $96,000 | $663,000 |
| Not Provided | 2 | $379,000 | $189,000 | $192,000 | $47,000 | $95,000 |
| Not applicable | 1 | $271,000 | $271,000 | $271,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 15 | $3,812,000 | $254,000 | $1,320,000 | $119,000 | $663,000 |
| FHA-insured (Federal Housing Administration) | 7 | $853,000 | $121,000 | $232,000 | $46,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 4 | $863,000 | $215,000 | $251,000 | $52,000 | $76,000 |
| 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 | 15 | $3,479,000 | $231,000 | $1,320,000 | $67,000 | $260,000 |
| Loan Purchased By The Institution | 5 | $794,000 | $158,000 | $251,000 | $56,000 | $76,000 |
| Application Denied By Financial Institution | 5 | $1,087,000 | $217,000 | $572,000 | $184,000 | $663,000 |
| Application Approved But Not Accepted | 1 | $168,000 | $168,000 | $168,000 | $95,000 | $95,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $814,000 | $271,000 | $572,000 | $258,000 | $663,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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