First Interstate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Interstate Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Interstate Bank Po Box 30918 Billings, MT 59116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 5,688 |
| Total Mortgage Loan Application Amount | $599,430,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $3,434,000 |
| Average Applicant Income | $126,434 |
| Highest Applicant Income | $2,651,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Interstate Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Interstate Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Interstate Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Interstate Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Interstate Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Interstate Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Natrona County Wyoming | 720 | $ 71,933,000 | $ 99,000 | $ 57,000 |
| Yellowstone County Montana | 656 | $ 74,762,000 | $ 113,000 | $ 59,000 |
| Cascade County Montana | 567 | $ 15,621,000 | $ 27,000 | $ 51,000 |
| Missoula County Montana | 422 | $ 56,682,000 | $ 134,000 | $ 89,000 |
| Sheridan County Wyoming | 351 | $ 33,861,000 | $ 96,000 | $ 62,000 |
| Flathead County Montana | 294 | $ 46,024,000 | $ 156,000 | $ 90,000 |
| Campbell County Wyoming | 263 | $ 19,895,000 | $ 75,000 | $ 55,000 |
| Fremont County Wyoming | 243 | $ 22,108,000 | $ 90,000 | $ 49,000 |
| Laramie County Wyoming | 240 | $ 24,722,000 | $ 103,000 | $ 92,000 |
| Gallatin County Montana | 215 | $ 36,091,000 | $ 167,000 | $ 57,000 |
| Albany County Wyoming | 183 | $ 21,527,000 | $ 117,000 | $ 89,000 |
| Ravalli County Montana | 150 | $ 18,147,000 | $ 120,000 | $ 63,000 |
| Carbon County Montana | 129 | $ 17,943,000 | $ 139,000 | $ 76,000 |
| Teton County Wyoming | 127 | $ 29,941,000 | $ 235,000 | $ 98,000 |
| Silver Bow County Montana | 126 | $ 11,255,000 | $ 89,000 | $ 51,000 |
| Custer County Montana | 98 | $ 4,781,000 | $ 48,000 | $ 40,000 |
| Rosebud County Montana | 97 | $ 4,439,000 | $ 45,000 | $ 51,000 |
| Johnson County Wyoming | 93 | $ 8,907,000 | $ 95,000 | $ 52,000 |
| Lake County Montana | 85 | $ 13,688,000 | $ 161,000 | $ 102,000 |
| Park County Montana | 81 | $ 8,975,000 | $ 110,000 | $ 48,000 |
| Lewis and Clark County Montana | 78 | $ 7,741,000 | $ 99,000 | $ 66,000 |
| Lincoln County Montana | 63 | $ 8,951,000 | $ 142,000 | $ 41,000 |
| Big Horn County Montana | 55 | $ 2,444,000 | $ 44,000 | $ 49,000 |
| Converse County Wyoming | 40 | $ 3,567,000 | $ 89,000 | $ 48,000 |
| Lincoln County Wyoming | 31 | $ 4,725,000 | $ 152,000 | $ 56,000 |
| Sublette County Wyoming | 27 | $ 3,685,000 | $ 136,000 | $ 65,000 |
| Jefferson County Montana | 23 | $ 2,426,000 | $ 105,000 | $ 73,000 |
| Teton County Idaho | 20 | $ 2,720,000 | $ 136,000 | $ 73,000 |
| Granite County Montana | 14 | $ 1,536,000 | $ 109,000 | $ 46,000 |
| Beaverhead County Montana | 13 | $ 1,361,000 | $ 104,000 | $ 55,000 |
| Crook County Wyoming | 10 | $ 943,000 | $ 94,000 | $ 68,000 |
| Musselshell County Montana | 9 | $ 789,000 | $ 87,000 | $ 38,000 |
| Clark County Nevada | 8 | $ 1,510,000 | $ 188,000 | $ 353,000 |
| Carbon County Wyoming | 8 | $ 540,000 | $ 67,000 | $ 47,000 |
| Park County Wyoming | 8 | $ 774,000 | $ 96,000 | $ 107,000 |
| Madison County Montana | 7 | $ 481,000 | $ 68,000 | $ 45,000 |
| Stillwater County Montana | 7 | $ 793,000 | $ 113,000 | $ 34,000 |
| Uinta County Wyoming | 7 | $ 511,000 | $ 73,000 | $ 58,000 |
| Deer Lodge County Montana | 6 | $ 668,000 | $ 111,000 | $ 53,000 |
| Sanders County Montana | 6 | $ 604,000 | $ 100,000 | $ 69,000 |
| Teton County Montana | 6 | $ 496,000 | $ 82,000 | $ 47,000 |
| Platte County Wyoming | 6 | $ 308,000 | $ 51,000 | $ 51,000 |
| Broadwater County Montana | 5 | $ 240,000 | $ 48,000 | $ 49,000 |
| Mineral County Montana | 5 | $ 346,000 | $ 69,000 | $ 25,000 |
| Hot Springs County Wyoming | 5 | $ 362,000 | $ 72,000 | $ 119,000 |
| Maricopa County Arizona | 4 | $ 1,268,000 | $ 317,000 | $ 370,000 |
| Larimer County Colorado | 4 | $ 732,000 | $ 183,000 | $ 187,000 |
| Bonneville County Idaho | 4 | $ 764,000 | $ 191,000 | $ 76,000 |
| Fergus County Montana | 4 | $ 298,000 | $ 74,000 | $ 52,000 |
| Powder River County Montana | 4 | $ 139,000 | $ 34,000 | $ 52,000 |
| Powell County Montana | 4 | $ 251,000 | $ 62,000 | $ 29,000 |
| Pennington County South Dakota | 4 | $ 334,000 | $ 83,000 | $ 51,000 |
| Sweetwater County Wyoming | 4 | $ 557,000 | $ 139,000 | $ 83,000 |
| Weston County Wyoming | 4 | $ 224,000 | $ 56,000 | $ 41,000 |
| Chouteau County Montana | 3 | $ 278,000 | $ 92,000 | $ 71,000 |
| Arapahoe County Colorado | 2 | $ 171,000 | $ 85,000 | $ 64,000 |
| Ada County Idaho | 2 | $ 219,000 | $ 109,000 | $ 114,000 |
| Garfield County Montana | 2 | $ 22,000 | $ 11,000 | $ 262,000 |
| Hill County Montana | 2 | $ 184,000 | $ 92,000 | $ 47,000 |
| Washakie County Wyoming | 2 | $ 194,000 | $ 97,000 | $ 61,000 |
| La Paz County Arizona | 1 | $ 60,000 | $ 60,000 | $ 81,000 |
| Mohave County Arizona | 1 | $ 101,000 | $ 101,000 | $ 360,000 |
| Yuma County Arizona | 1 | $ 80,000 | $ 80,000 | $ 37,000 |
| Orange County California | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Adams County Colorado | 1 | $ 317,000 | $ 317,000 | $ 151,000 |
| El Paso County Colorado | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Jefferson County Colorado | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Mesa County Colorado | 1 | $ 20,000 | $ 20,000 | $ 243,000 |
| Montrose County Colorado | 1 | $ 88,000 | $ 88,000 | $ 39,000 |
| Morgan County Colorado | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Weld County Colorado | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Kootenai County Idaho | 1 | $ 163,000 | $ 163,000 | $ 97,000 |
| Dawson County Montana | 1 | $ 96,000 | $ 96,000 | $ 101,000 |
| Glacier County Montana | 1 | $ 119,000 | $ 119,000 | $ 104,000 |
| Pondera County Montana | 1 | $ 44,000 | $ 44,000 | $ 19,000 |
| Prairie County Montana | 1 | $ 10,000 | $ 10,000 | $ 19,000 |
| Richland County Montana | 1 | $ 3,000 | $ 3,000 | $ 101,000 |
| Sweet Grass County Montana | 1 | $ 203,000 | $ 203,000 | $ 145,000 |
| Toole County Montana | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Treasure County Montana | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| Wheatland County Montana | 1 | $ 69,000 | $ 69,000 | $ 16,000 |
| Montgomery County New York | 1 | $ 218,000 | $ 218,000 | $ 108,000 |
| New York County New York | 1 | $ 30,000 | $ 30,000 | $ 180,000 |
| Williams County North Dakota | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Clackamas County Oregon | 1 | $ 247,000 | $ 247,000 | $ 82,000 |
| Butte County South Dakota | 1 | $ 80,000 | $ 80,000 | $ 209,000 |
| Lawrence County South Dakota | 1 | $ 350,000 | $ 350,000 | $ 84,000 |
| Salt Lake County Utah | 1 | $ 53,000 | $ 53,000 | $ 100,000 |
| Grant County Washington | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Big Horn County Wyoming | 1 | $ 3,000 | $ 3,000 | $ 18,000 |
| Goshen County Wyoming | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Niobrara County Wyoming | 1 | $ 59,000 | $ 59,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for First Interstate Bank in 2005
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 | 2,822 | $362,310,000 | $159,500 | $2,300,000 | $108,416 | $1,608,000 |
| Refinancing | 1,614 | $209,147,000 | $194,750 | $3,434,000 | $180,750 | $2,651,000 |
| Home Improvement | 1,252 | $27,973,000 | $15,666 | $1,485,000 | $53,666 | $1,100,000 |
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 | 5,232 | $543,368,000 | $160,000 | $1,675,000 | $117,076 | $2,651,000 |
| Hispanic | 137 | $11,271,000 | $80,333 | $314,000 | $53,000 | $218,000 |
| American Indian or Alaskan Native | 90 | $4,840,000 | $66,500 | $212,000 | $56,500 | $161,000 |
| Not Provided | 86 | $8,423,000 | $68,333 | $416,000 | $131,333 | $1,608,000 |
| Not applicable | 84 | $25,246,000 | $201,000 | $3,434,000 | $101,250 | $302,000 |
| Asian | 38 | $4,245,000 | $201,666 | $400,000 | $110,333 | $1,232,000 |
| Black or African American | 13 | $856,000 | $68,000 | $195,000 | $54,000 | $126,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,181,000 | $147,500 | $271,000 | $73,000 | $143,000 |
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) | 5,234 | $547,193,000 | $164,692 | $3,434,000 | $115,923 | $2,651,000 |
| FHA-insured (Federal Housing Administration) | 330 | $35,942,000 | $110,500 | $175,000 | $45,500 | $199,000 |
| VA-guaranteed (Veterans Administration) | 86 | $12,647,000 | $148,000 | $360,000 | $51,500 | $108,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,648,000 | $102,500 | $199,000 | $35,500 | $65,000 |
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 | 4,945 | $523,325,000 | $175,166 | $3,434,000 | $118,500 | $2,651,000 |
| Application Denied By Financial Institution | 372 | $25,762,000 | $64,200 | $800,000 | $61,000 | $190,000 |
| Application Withdrawn By Applicant | 224 | $31,296,000 | $99,666 | $1,500,000 | $58,666 | $485,000 |
| Application Approved But Not Accepted | 139 | $18,578,000 | $149,333 | $1,144,000 | $85,333 | $1,608,000 |
| Loan Purchased By The Institution | 5 | $20,000 | $4,000 | $7,000 | $45,000 | $56,000 |
| File Closed For Incompleteness | 3 | $449,000 | $127,000 | $259,000 | $55,000 | $119,000 |
| 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 | 86 | $1,993,000 | $23,500 | $177,000 | $43,500 | $190,000 |
| Debt-To-Income Ratio | 24 | $435,000 | $24,000 | $149,000 | $45,000 | $76,000 |
| Other | 5 | $233,000 | $36,500 | $200,000 | $22,500 | $56,000 |
| Collateral | 4 | $422,000 | $105,000 | $180,000 | $53,000 | $69,000 |
| Employment History | 2 | $36,000 | $18,000 | $30,000 | $37,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 1 | $2,000 | $2,000 | $2,000 | $41,000 | $41,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Interstate Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Interstate Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Montana, download the full spreadsheet
with aggregated HMDA statistics today.