Liberty County, MT Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 35 mortgage applications in Liberty County, MT totaling $2.5 million, down 12% from 2005. The average application was for $72,000, and applicants reported an average income of $72,000. 34% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 7 applications, followed by Beneficial Company LLC and Heritage Bank.
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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 | 35 |
| Total Mortgage Loan Application Amount | $2,543,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $235,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 7 | $ 310,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 7 | $ 318,000 |
| Heritage Bank 120 1ST AVENUE NORTH GREAT FALLS, MT 59401 |
* | $ 385,486,000 | 4 | $ 375,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 1,146,330,000 | 2 | $ 310,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 157,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 167,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 2 | $ 194,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,695,498,000 | 2 | $ 180,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 230,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 4,537,484,000 | 1 | $ 37,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 86,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 60,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 34,989,622,000 | 1 | $ 53,000 |
| Mountain West Bank, N.A. 1225 CEDAR STREET / PO BOX 6013 HELENA, MT 59604 |
* | $ 501,254,000 | 1 | $ 66,000 |
The tables below break down 2006 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 2006
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 | 21 | $1,855,000 | $88,000 | $245,000 | $85,000 | $235,000 |
| Home Purchase | 9 | $367,000 | $40,000 | $117,000 | $36,000 | $60,000 |
| Home Improvement | 5 | $321,000 | $64,000 | $203,000 | $79,000 | $235,000 |
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 | 31 | $2,068,000 | $66,000 | $203,000 | $68,000 | $235,000 |
| Not applicable | 2 | $305,000 | $152,000 | $245,000 | $100,000 | $201,000 |
| Not Provided | 2 | $170,000 | $85,000 | $90,000 | $106,000 | $177,000 |
| 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 |
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) | 27 | $1,860,000 | $68,000 | $245,000 | $68,000 | $201,000 |
| FHA-insured (Federal Housing Administration) | 5 | $489,000 | $97,000 | $203,000 | $112,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $154,000 | $77,000 | $117,000 | $43,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 1 | $40,000 | $40,000 | $40,000 | $33,000 | $33,000 |
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 | 12 | $1,031,000 | $85,000 | $245,000 | $78,000 | $235,000 |
| Application Withdrawn By Applicant | 9 | $509,000 | $56,000 | $90,000 | $72,000 | $133,000 |
| Application Denied By Financial Institution | 8 | $464,000 | $58,000 | $114,000 | $52,000 | $91,000 |
| Application Approved But Not Accepted | 3 | $249,000 | $83,000 | $120,000 | $85,000 | $156,000 |
| Loan Purchased By The Institution | 3 | $290,000 | $96,000 | $203,000 | $84,000 | $235,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 2 | $181,000 | $90,000 | $114,000 | $71,000 | $76,000 |
| Debt-To-Income Ratio | 1 | $50,000 | $50,000 | $50,000 | $91,000 | $91,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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