Liberty County, MT Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 38 mortgage applications in Liberty County, MT totaling $5.3 million, up 41% from 2024. The average application was for $139,000, and applicants reported an average income of $199,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Evergreen Moneysource Mortgage Company, with 9 applications, followed by Glacier Bank and Park Side 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 | 38 |
| Total Mortgage Loan Application Amount | $5,310,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $199,000 |
| Highest Applicant Income | $2,257,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 9 | $ 1,285,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 4 | $ 390,000 |
| Park Side Credit Union 4055 BROOKS ST. SUITE C WHITEFISH, MT 59937 |
* | $ n/a | 2 | $ 190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 410,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 120,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ n/a | 2 | $ 340,000 |
| Independence Bank 435 3RD ST HAVRE, MT 59501 |
* | $ n/a | 2 | $ 650,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 235,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 1 | $ 105,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 125,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 315,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ n/a | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 25,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 65,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 245,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ n/a | 1 | $ 165,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 235,000 |
| Madison Valley Bank 213 E MAIN ST PO BOX 307 ENNIS, MT 59729 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2025 mortgage applications in Liberty 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 Liberty County, MT in 2025
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 | 24 | $3,480,000 | $145,000 | $445,000 | $261,000 | $2,257,000 |
| Cash-out Refinancing | 6 | $960,000 | $160,000 | $245,000 | $121,000 | $259,000 |
| Other Purpose | 5 | $495,000 | $99,000 | $315,000 | $40,000 | $110,000 |
| Refinancing | 2 | $340,000 | $170,000 | $275,000 | $50,000 | $50,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $117,000 | $117,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 35 | $4,985,000 | $142,000 | $445,000 | $208,000 | $2,257,000 |
| Not Provided | 3 | $325,000 | $108,000 | $165,000 | $96,000 | $120,000 |
| 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 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 26 | $3,100,000 | $119,000 | $445,000 | $257,000 | $2,257,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,125,000 | $160,000 | $315,000 | $49,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 4 | $970,000 | $242,000 | $325,000 | $96,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $115,000 | $115,000 | $115,000 | $41,000 | $41,000 |
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 | 24 | $3,890,000 | $162,000 | $445,000 | $278,000 | $2,257,000 |
| Application Withdrawn By Applicant | 7 | $695,000 | $99,000 | $275,000 | $51,000 | $111,000 |
| Application Denied By Financial Institution | 4 | $480,000 | $120,000 | $315,000 | $61,000 | $117,000 |
| File Closed For Incompleteness | 3 | $245,000 | $81,000 | $135,000 | $44,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 31 | $4,115,000 | $132,000 | $325,000 | $86,000 | $259,000 |
| Collateral | 3 | $455,000 | $151,000 | $315,000 | $67,000 | $117,000 |
| Debt-To-Income Ratio | 3 | $715,000 | $238,000 | $445,000 | $1,516,000 | $2,257,000 |
| Credit History | 1 | $25,000 | $25,000 | $25,000 | $44,000 | $44,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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