Judith Basin County, MT Mortgage Lenders & HMDA Data, 2004

In 2004, lenders reported 61 mortgage applications in Judith Basin County, MT totaling $6.1 million, down 16% from 2003. The average application was for $99,000, and applicants reported an average income of $50,000. 31% of applications resulted in an originated loan and 34% were denied. The most active lender was Beneficial, with 13 applications, followed by Wells Fargo Bank, NA and Countrywide Home Loans.

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Total Number of Mortgage Applications 61
Total Mortgage Loan Application Amount $6,062,000
Average Mortgage Loan Application Amount $99,000
Highest Mortgage Loan Application Amount $650,000
Average Applicant Income $50,000
Highest Applicant Income $210,000

Mortgage Company List for Lending in Judith Basin County, MT for 2004

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Beneficial
140 INDUSTRIAL DRIVE
ELMHURST, IL 60126
* $ 10,000,000 13 $ 947,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 250,474,000,000 8 $ 345,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 97,957,619,000 5 $ 247,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 3 $ 317,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 3 $ 963,000
Wells Fargo Fin'l Montana, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 34,311,813,000 3 $ 185,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 913,606,000 3 $ 265,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 234,680,095,000 3 $ 323,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 105,000
Greenpoint Mortgage Funding
4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD
CHARLOTTE, NC 28217
* $ 6,677,533,000 2 $ 690,000
Heritage Bank
120 1ST AVENUE NORTH
GREAT FALLS, MT 59401
* $ 302,219,000 2 $ 203,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 3,859,412,000 2 $ 210,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 280,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 1 $ 72,000
Capitalone
15000 CAPITAL ONE DR
RICHMOND, VA 23238
* $ 12,581,787,000 1 $ 40,000
Charles Schwab Bank
101 MONTGOMERY STREET 11-262
SAN FRANCISCO, CA 94104
* $ 2,729,598,000 1 $ 48,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,022,330,000 1 $ 60,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,097,190,000,000 1 $ 21,000
Montana Mortgage Company
PO BOX 1917
KALISPELL, MT 59903
* $ 31,000,000 1 $ 77,000
Mortgage Lenders Network USA
213 COURT STREET
MIDDLETOWN, CT 06457
* $ 10,000,000 1 $ 65,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 48,000
Western Security Bank
2812 1ST AVE NORTH
BILLINGS, MT 59101
* $ 446,405,000 1 $ 51,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 1 $ 500,000

The tables below break down 2004 mortgage applications in Judith Basin 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 Judith Basin County, MT in 2004

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 46 $5,199,000 $113,000 $650,000 $56,000 $210,000
Home Purchase 10 $728,000 $72,000 $84,000 $36,000 $66,000
Home Improvement 5 $135,000 $27,000 $51,000 $41,000 $49,000

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 50 $4,398,000 $87,000 $650,000 $50,000 $180,000
Not Provided 7 $1,105,000 $157,000 $608,000 $50,000 $180,000
Not applicable 3 $323,000 $107,000 $164,000 $0 $0
American Indian or Alaskan Native 1 $236,000 $236,000 $236,000 $210,000 $210,000
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

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) 57 $5,830,000 $102,000 $650,000 $53,000 $210,000
FHA-insured (Federal Housing Administration) 2 $76,000 $38,000 $52,000 $25,000 $51,000
VA-guaranteed (Veterans Administration) 2 $156,000 $78,000 $78,000 $18,000 $37,000
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
Application Denied By Financial Institution 21 $2,935,000 $139,000 $650,000 $73,000 $210,000
Loan Originated 19 $1,692,000 $89,000 $500,000 $49,000 $180,000
Application Withdrawn By Applicant 13 $854,000 $65,000 $125,000 $34,000 $79,000
Loan Purchased By The Institution 6 $476,000 $79,000 $164,000 $14,000 $49,000
File Closed For Incompleteness 1 $84,000 $84,000 $84,000 $42,000 $42,000
Application Approved But Not Accepted 1 $21,000 $21,000 $21,000 $26,000 $26,000
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
Other 6 $546,000 $91,000 $135,000 $54,000 $70,000
Credit History 3 $146,000 $48,000 $78,000 $43,000 $64,000
Debt-To-Income Ratio 1 $64,000 $64,000 $64,000 $78,000 $78,000
Employment History 1 $75,000 $75,000 $75,000 $42,000 $42,000
Collateral 1 $608,000 $608,000 $608,000 $180,000 $180,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 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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