Montana Mortgage Company Mortgage Lending & HMDA Data, 2010
In 2010, Montana Mortgage Company of Kalispell, MT reported 1,461 mortgage applications totaling $232.9 million, down 32% from 2009. The average application was for $159,415, and applicants reported an average income of $61,603. 15% of its applications resulted in an originated loan and 84% were denied. Its largest markets were Boise City-Nampa, ID (47), Billings, MT (46) and Missoula, MT (43) (applications in parentheses).
| Mortgage Company & Address | Montana Mortgage Company Po Box 1917 Kalispell, MT 59903 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,461 |
| Total Mortgage Loan Application Amount | $232,906,000 |
| Average Mortgage Loan Application Amount | $159,415 |
| Highest Mortgage Loan Application Amount | $747,000 |
| Average Applicant Income | $61,603 |
| Highest Applicant Income | $1,296,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Montana Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Flathead, Montana | 189 | $ 34,294,000 | $ 181,449 | $ 60,000 |
| Missoula, Montana | 43 | $ 8,187,000 | $ 190,395 | $ 65,000 |
| Yellowstone, Montana | 41 | $ 7,156,000 | $ 174,536 | $ 71,000 |
| Ada, Idaho | 29 | $ 5,237,000 | $ 180,586 | $ 84,000 |
| Gallatin, Montana | 28 | $ 7,033,000 | $ 251,178 | $ 75,000 |
| Cascade, Montana | 26 | $ 4,268,000 | $ 164,153 | $ 91,000 |
| Laramie, Wyoming | 25 | $ 4,087,000 | $ 163,480 | $ 122,000 |
| Ravalli, Montana | 24 | $ 4,728,000 | $ 197,000 | $ 62,000 |
| Kootenai, Idaho | 21 | $ 3,521,000 | $ 167,666 | $ 70,000 |
| Silver Bow, Montana | 19 | $ 1,993,000 | $ 104,894 | $ 47,000 |
| Lewis and Clark, Montana | 18 | $ 2,772,000 | $ 154,000 | $ 78,000 |
| Bonneville, Idaho | 16 | $ 2,895,000 | $ 180,937 | $ 96,000 |
| Twin Falls, Idaho | 14 | $ 1,913,000 | $ 136,642 | $ 72,000 |
| Canyon, Idaho | 13 | $ 1,848,000 | $ 142,153 | $ 59,000 |
| Lake, Montana | 13 | $ 2,342,000 | $ 180,153 | $ 54,000 |
| Lincoln, Montana | 13 | $ 2,264,000 | $ 174,153 | $ 51,000 |
| Natrona, Wyoming | 12 | $ 1,893,000 | $ 157,750 | $ 77,000 |
| Bannock, Idaho | 11 | $ 1,324,000 | $ 120,363 | $ 75,000 |
| Uinta, Wyoming | 9 | $ 1,425,000 | $ 158,333 | $ 90,000 |
| Latah, Idaho | 8 | $ 951,000 | $ 118,875 | $ 57,000 |
| Fergus, Montana | 8 | $ 836,000 | $ 104,500 | $ 41,000 |
| Sanders, Montana | 8 | $ 1,443,000 | $ 180,375 | $ 44,000 |
| Bonner, Idaho | 7 | $ 954,000 | $ 136,285 | $ 51,000 |
| Custer, Montana | 7 | $ 741,000 | $ 105,857 | $ 74,000 |
| Park, Montana | 7 | $ 1,155,000 | $ 165,000 | $ 44,000 |
| Park, Wyoming | 7 | $ 1,239,000 | $ 177,000 | $ 59,000 |
| Deer Lodge, Montana | 6 | $ 540,000 | $ 90,000 | $ 52,000 |
| Hill, Montana | 6 | $ 594,000 | $ 99,000 | $ 53,000 |
| Liberty, Montana | 6 | $ 493,000 | $ 82,166 | $ 86,000 |
| Lincoln, Wyoming | 6 | $ 1,045,000 | $ 174,166 | $ 64,000 |
| Sweetwater, Wyoming | 6 | $ 1,019,000 | $ 169,833 | $ 69,000 |
| Bingham, Idaho | 5 | $ 645,000 | $ 129,000 | $ 53,000 |
| Minidoka, Idaho | 5 | $ 732,000 | $ 146,400 | $ 45,000 |
| Carbon, Montana | 5 | $ 2,089,000 | $ 417,800 | $ 148,000 |
| Chouteau, Montana | 5 | $ 494,000 | $ 98,800 | $ 38,000 |
| Powell, Montana | 5 | $ 613,000 | $ 122,600 | $ 38,000 |
| Carbon, Wyoming | 5 | $ 568,000 | $ 113,600 | $ 43,000 |
| Converse, Wyoming | 5 | $ 748,000 | $ 149,600 | $ 52,000 |
| Fremont, Wyoming | 5 | $ 786,000 | $ 157,200 | $ 64,000 |
| Sheridan, Wyoming | 5 | $ 1,329,000 | $ 265,800 | $ 226,000 |
| Elmore, Idaho | 4 | $ 527,000 | $ 131,750 | $ 41,000 |
| Fremont, Idaho | 4 | $ 495,000 | $ 123,750 | $ 59,000 |
| Beaverhead, Montana | 4 | $ 667,000 | $ 166,750 | $ 56,000 |
| Dawson, Montana | 4 | $ 343,000 | $ 85,750 | $ 52,000 |
| Madison, Montana | 4 | $ 730,000 | $ 182,500 | $ 42,000 |
| Pondera, Montana | 4 | $ 364,000 | $ 91,000 | $ 40,000 |
| Stillwater, Montana | 4 | $ 701,000 | $ 175,250 | $ 71,000 |
| Toole, Montana | 4 | $ 329,000 | $ 82,250 | $ 56,000 |
| Valley, Montana | 4 | $ 402,000 | $ 100,500 | $ 79,000 |
| Albany, Wyoming | 4 | $ 724,000 | $ 181,000 | $ 60,000 |
| Bear Lake, Idaho | 3 | $ 357,000 | $ 119,000 | $ 90,000 |
| Cassia, Idaho | 3 | $ 444,000 | $ 148,000 | $ 51,000 |
| Idaho, Idaho | 3 | $ 286,000 | $ 95,333 | $ 75,000 |
| Nez Perce, Idaho | 3 | $ 426,000 | $ 142,000 | $ 92,000 |
| Payette, Idaho | 3 | $ 556,000 | $ 185,333 | $ 65,000 |
| Mineral, Montana | 3 | $ 374,000 | $ 124,666 | $ 50,000 |
| Phillips, Montana | 3 | $ 300,000 | $ 100,000 | $ 36,000 |
| Campbell, Wyoming | 3 | $ 443,000 | $ 147,666 | $ 68,000 |
| Teton, Wyoming | 3 | $ 1,443,000 | $ 481,000 | $ 230,000 |
| Boise, Idaho | 2 | $ 528,000 | $ 264,000 | $ 100,000 |
| Boundary, Idaho | 2 | $ 395,000 | $ 197,500 | $ 63,000 |
| Caribou, Idaho | 2 | $ 239,000 | $ 119,500 | $ 87,000 |
| Custer, Idaho | 2 | $ 162,000 | $ 81,000 | $ 115,000 |
| Franklin, Idaho | 2 | $ 276,000 | $ 138,000 | $ 73,000 |
| Gem, Idaho | 2 | $ 299,000 | $ 149,500 | $ 43,000 |
| Jefferson, Idaho | 2 | $ 361,000 | $ 180,500 | $ 45,000 |
| Teton, Idaho | 2 | $ 505,000 | $ 252,500 | $ 70,000 |
| Glacier, Montana | 2 | $ 134,000 | $ 67,000 | $ 45,000 |
| Jefferson, Montana | 2 | $ 457,000 | $ 228,500 | $ 66,000 |
| Meagher, Montana | 2 | $ 574,000 | $ 287,000 | $ 108,000 |
| Richland, Montana | 2 | $ 183,000 | $ 91,500 | $ 68,000 |
| Sheridan, Montana | 2 | $ 133,000 | $ 66,500 | $ 52,000 |
| Big Horn, Wyoming | 2 | $ 273,000 | $ 136,500 | $ 42,000 |
| Johnson, Wyoming | 2 | $ 462,000 | $ 231,000 | $ 95,000 |
| Platte, Wyoming | 2 | $ 233,000 | $ 116,500 | $ 81,000 |
| Blaine, Idaho | 1 | $ 194,000 | $ 194,000 | $ 60,000 |
| Gooding, Idaho | 1 | $ 106,000 | $ 106,000 | $ 54,000 |
| Jerome, Idaho | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Lemhi, Idaho | 1 | $ 230,000 | $ 230,000 | $ 141,000 |
| Lewis, Idaho | 1 | $ 122,000 | $ 122,000 | $ 49,000 |
| Madison, Idaho | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| Owyhee, Idaho | 1 | $ 116,000 | $ 116,000 | $ 37,000 |
| Valley, Idaho | 1 | $ 244,000 | $ 244,000 | $ 66,000 |
| Washington, Idaho | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Big Horn, Montana | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Blaine, Montana | 1 | $ 69,000 | $ 69,000 | $ 67,000 |
| Daniels, Montana | 1 | $ 118,000 | $ 118,000 | $ 34,000 |
| Golden Valley, Montana | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Judith Basin, Montana | 1 | $ 50,000 | $ 50,000 | $ 11,000 |
| McCone, Montana | 1 | $ 61,000 | $ 61,000 | $ 14,000 |
| Musselshell, Montana | 1 | $ 120,000 | $ 120,000 | $ 87,000 |
| Powder River, Montana | 1 | $ 106,000 | $ 106,000 | $ 55,000 |
| Roosevelt, Montana | 1 | $ 103,000 | $ 103,000 | $ 75,000 |
| Rosebud, Montana | 1 | $ 100,000 | $ 100,000 | $ 101,000 |
| Sweet Grass, Montana | 1 | $ 259,000 | $ 259,000 | $ 50,000 |
| Treasure, Montana | 1 | $ 146,000 | $ 146,000 | $ 66,000 |
| Spokane, Washington | 1 | $ 141,000 | $ 141,000 | $ 55,000 |
| Crook, Wyoming | 1 | $ 167,000 | $ 167,000 | $ 73,000 |
| Goshen, Wyoming | 1 | $ 118,000 | $ 118,000 | $ 75,000 |
| Sublette, Wyoming | 1 | $ 308,000 | $ 308,000 | $ 117,000 |
| Washakie, Wyoming | 1 | $ 109,000 | $ 109,000 | $ 57,000 |
| Weston, Wyoming | 1 | $ 235,000 | $ 235,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Montana Mortgage Company in 2010
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 | 795 | $119,229,000 | $149,000 | $525,000 | $53,000 | $365,000 |
| Refinancing | 649 | $110,648,000 | $170,000 | $747,000 | $72,000 | $1,296,000 |
| Home Improvement | 17 | $3,029,000 | $178,000 | $400,000 | $67,000 | $127,000 |
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 | 1,377 | $220,380,000 | $160,000 | $747,000 | $62,000 | $1,296,000 |
| Hispanic | 36 | $5,108,000 | $141,000 | $263,000 | $56,000 | $175,000 |
| Not Provided | 17 | $2,677,000 | $157,000 | $300,000 | $61,000 | $136,000 |
| American Indian or Alaskan Native | 15 | $2,238,000 | $149,000 | $221,000 | $82,000 | $300,000 |
| Asian | 9 | $1,387,000 | $154,000 | $216,000 | $64,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $998,000 | $166,000 | $349,000 | $99,000 | $300,000 |
| Black or African American | 1 | $118,000 | $118,000 | $118,000 | $50,000 | $50,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 508 | $79,599,000 | $156,000 | $386,000 | $57,000 | $300,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 505 | $85,893,000 | $170,000 | $747,000 | $80,000 | $1,296,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 316 | $45,060,000 | $142,000 | $347,000 | $43,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 132 | $22,354,000 | $169,000 | $525,000 | $60,000 | $232,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,223 | $196,026,000 | $160,000 | $747,000 | $63,000 | $1,296,000 |
| Loan Originated | 215 | $32,290,000 | $150,000 | $417,000 | $57,000 | $234,000 |
| Application Withdrawn By Applicant | 22 | $4,515,000 | $205,000 | $360,000 | $65,000 | $188,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Other | 72 | $12,028,000 | $167,000 | $417,000 | $78,000 | $480,000 |
| Credit History | 55 | $8,771,000 | $159,000 | $332,000 | $55,000 | $132,000 |
| Debt-To-Income Ratio | 12 | $1,787,000 | $148,000 | $249,000 | $36,000 | $94,000 |
| Collateral | 10 | $1,460,000 | $146,000 | $263,000 | $81,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $789,000 | $263,000 | $525,000 | $84,000 | $177,000 |
| Unverifiable Information | 2 | $231,000 | $115,000 | $118,000 | $41,000 | $58,000 |
| Credit Application Incomplete | 2 | $384,000 | $192,000 | $309,000 | $54,000 | $85,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Montana Mortgage Company's 2010 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 Montana Mortgage Company'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.
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