Mountain West Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Mountain West Bank, N.A. 2008 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 | Mountain West Bank, N.A. 1225 Cedar Street / Po Box 6013 Helena, MT 59604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,171 |
| Total Mortgage Loan Application Amount | $258,472,000 |
| Average Mortgage Loan Application Amount | $188,666 |
| Highest Mortgage Loan Application Amount | $4,395,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,239,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Mountain West Bank, N.A.. 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 Mountain West Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Mountain West Bank, N.A.'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 Mountain West Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Mountain West Bank, N.A., 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 Mountain West Bank, N.A.'s mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lewis and Clark County Montana | 452 | $ 85,196,000 | $ 188,000 | $ 81,000 |
| Missoula County Montana | 177 | $ 42,376,000 | $ 239,000 | $ 97,000 |
| Cascade County Montana | 158 | $ 29,279,000 | $ 185,000 | $ 68,000 |
| Gallatin County Montana | 95 | $ 37,646,000 | $ 396,000 | $ 104,000 |
| Jefferson County Montana | 62 | $ 15,947,000 | $ 257,000 | $ 98,000 |
| Lake County Montana | 34 | $ 7,351,000 | $ 216,000 | $ 78,000 |
| Broadwater County Montana | 16 | $ 2,885,000 | $ 180,000 | $ 85,000 |
| Flathead County Montana | 16 | $ 3,711,000 | $ 231,000 | $ 126,000 |
| Ravalli County Montana | 16 | $ 4,115,000 | $ 257,000 | $ 74,000 |
| Deer Lodge County Montana | 7 | $ 833,000 | $ 119,000 | $ 90,000 |
| Silver Bow County Montana | 5 | $ 703,000 | $ 140,000 | $ 128,000 |
| Meagher County Montana | 4 | $ 1,021,000 | $ 255,000 | $ 210,000 |
| Park County Montana | 4 | $ 1,067,000 | $ 266,000 | $ 74,000 |
| Maricopa County Arizona | 2 | $ 419,000 | $ 209,000 | $ 85,000 |
| Los Angeles County California | 2 | $ 4,610,000 | $ 2,305,000 | $ 621,000 |
| Daniels County Montana | 2 | $ 284,000 | $ 142,000 | $ 73,000 |
| Lincoln County Montana | 2 | $ 790,000 | $ 395,000 | $ 154,000 |
| Madison County Montana | 2 | $ 1,317,000 | $ 658,000 | $ 449,000 |
| Powell County Montana | 2 | $ 191,000 | $ 95,000 | $ 36,000 |
| Teton County Montana | 2 | $ 304,000 | $ 152,000 | $ 37,000 |
| Toole County Montana | 2 | $ 384,000 | $ 192,000 | $ 314,000 |
| Yellowstone County Montana | 2 | $ 192,000 | $ 96,000 | $ 97,000 |
| Clark County Nevada | 2 | $ 311,000 | $ 155,000 | $ 102,000 |
| Anchorage County Alaska | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Maui County Hawaii | 1 | $ 250,000 | $ 250,000 | $ 87,000 |
| Ada County Idaho | 1 | $ 182,000 | $ 182,000 | $ 96,000 |
| Payette County Idaho | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Cook County Illinois | 1 | $ 257,000 | $ 257,000 | $ 220,000 |
| Beaverhead County Montana | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Chouteau County Montana | 1 | $ 324,000 | $ 324,000 | $ 89,000 |
| Custer County Montana | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Fergus County Montana | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Granite County Montana | 1 | $ 160,000 | $ 160,000 | $ 60,000 |
| Musselshell County Montana | 1 | $ 87,000 | $ 87,000 | $ 31,000 |
| Pondera County Montana | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Sanders County Montana | 1 | $ 186,000 | $ 186,000 | $ 114,000 |
| Stillwater County Montana | 1 | $ 56,000 | $ 56,000 | $ 0 |
| McKinley County New Mexico | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Collin County Texas | 1 | $ 288,000 | $ 288,000 | $ 175,000 |
| Dallas County Texas | 1 | $ 92,000 | $ 92,000 | $ 56,000 |
| Snohomish County Washington | 1 | $ 208,000 | $ 208,000 | $ 68,000 |
| Thurston County Washington | 1 | $ 184,000 | $ 184,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Mountain West Bank, N.A. in 2008
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 | 602 | $155,292,000 | $257,000 | $3,728,000 | $92,000 | $1,239,000 |
| Home Purchase | 501 | $94,997,000 | $189,000 | $4,395,000 | $80,000 | $1,156,000 |
| Home Improvement | 68 | $8,183,000 | $120,000 | $417,000 | $71,000 | $306,000 |
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 | 1,103 | $229,745,000 | $208,000 | $4,395,000 | $88,000 | $1,239,000 |
| Not applicable | 32 | $22,425,000 | $700,000 | $3,728,000 | $0 | $20,000 |
| Hispanic | 16 | $3,198,000 | $199,000 | $336,000 | $88,000 | $240,000 |
| American Indian or Alaskan Native | 8 | $1,160,000 | $145,000 | $224,000 | $48,000 | $103,000 |
| Asian | 7 | $1,182,000 | $168,000 | $340,000 | $87,000 | $144,000 |
| Black or African American | 2 | $290,000 | $145,000 | $257,000 | $86,000 | $118,000 |
| Not Provided | 2 | $258,000 | $129,000 | $195,000 | $35,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $214,000 | $214,000 | $214,000 | $96,000 | $96,000 |
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) | 926 | $214,147,000 | $231,000 | $4,395,000 | $91,000 | $1,239,000 |
| FHA-insured (Federal Housing Administration) | 174 | $31,628,000 | $181,000 | $338,000 | $68,000 | $1,156,000 |
| VA-guaranteed (Veterans Administration) | 54 | $10,428,000 | $193,000 | $417,000 | $58,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,269,000 | $133,000 | $215,000 | $40,000 | $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 | 852 | $179,228,000 | $210,000 | $2,458,000 | $84,000 | $1,239,000 |
| Application Approved But Not Accepted | 156 | $32,488,000 | $208,000 | $1,233,000 | $93,000 | $450,000 |
| Application Denied By Financial Institution | 111 | $33,732,000 | $303,000 | $4,395,000 | $83,000 | $1,132,000 |
| Application Withdrawn By Applicant | 45 | $12,139,000 | $269,000 | $1,700,000 | $105,000 | $1,158,000 |
| File Closed For Incompleteness | 6 | $795,000 | $132,000 | $197,000 | $68,000 | $118,000 |
| Preapproval Approved but not Accepted | 1 | $90,000 | $90,000 | $90,000 | $47,000 | $47,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 47 | $7,609,000 | $161,000 | $845,000 | $49,000 | $238,000 |
| Debt-To-Income Ratio | 23 | $8,442,000 | $367,000 | $3,300,000 | $92,000 | $501,000 |
| Other | 15 | $4,433,000 | $295,000 | $1,918,000 | $105,000 | $260,000 |
| Unverifiable Information | 6 | $1,809,000 | $301,000 | $560,000 | $99,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $4,181,000 | $696,000 | $3,728,000 | $33,000 | $64,000 |
| Credit Application Incomplete | 6 | $1,226,000 | $204,000 | $281,000 | $94,000 | $159,000 |
| Collateral | 5 | $5,153,000 | $1,030,000 | $4,395,000 | $330,000 | $1,132,000 |
| Employment History | 3 | $879,000 | $293,000 | $333,000 | $93,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Bank, N.A.'s 2008 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 Mountain West Bank, N.A.'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.