Liberty County, MT Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 31 mortgage applications in Liberty County, MT totaling $4.6 million, about the same as 2019. The average application was for $148,000, and applicants reported an average income of $90,000. 52% of applications resulted in an originated loan and 13% were denied. The most active lender was Glacier Bank, with 5 applications, followed by US Bank, N.A. and Wells Fargo Bank NA.
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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 | 31 |
| Total Mortgage Loan Application Amount | $4,615,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $309,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 13,673,038,000 | 5 | $ 715,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 5 | $ 365,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 415,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 770,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 360,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 1,039,105,000 | 1 | $ 75,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 225,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 145,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 95,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 265,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,986,026,000 | 1 | $ 225,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 45,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 145,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2020 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 2020
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 | 11 | $1,835,000 | $166,000 | $265,000 | $83,000 | $183,000 |
| Cash-out Refinancing | 7 | $1,645,000 | $235,000 | $515,000 | $113,000 | $309,000 |
| Refinancing | 6 | $570,000 | $95,000 | $145,000 | $74,000 | $132,000 |
| Not Applicable | 3 | $325,000 | $108,000 | $125,000 | $0 | $0 |
| Other Purpose | 3 | $235,000 | $78,000 | $105,000 | $93,000 | $165,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $85,000 | $85,000 |
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 | 23 | $3,545,000 | $154,000 | $515,000 | $99,000 | $309,000 |
| Not applicable | 4 | $450,000 | $112,000 | $125,000 | $52,000 | $52,000 |
| Not Provided | 3 | $545,000 | $181,000 | $225,000 | $49,000 | $74,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
| 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 |
| American Indian or Alaskan Native | 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) | 21 | $3,225,000 | $153,000 | $515,000 | $97,000 | $309,000 |
| FHA-insured (Federal Housing Administration) | 4 | $490,000 | $122,000 | $125,000 | $58,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $430,000 | $107,000 | $175,000 | $39,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 2 | $470,000 | $235,000 | $245,000 | $93,000 | $112,000 |
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 | 16 | $2,820,000 | $176,000 | $515,000 | $90,000 | $309,000 |
| Loan Purchased By The Institution | 5 | $675,000 | $135,000 | $225,000 | $117,000 | $183,000 |
| Application Denied By Financial Institution | 4 | $180,000 | $45,000 | $75,000 | $80,000 | $132,000 |
| Application Withdrawn By Applicant | 4 | $710,000 | $177,000 | $245,000 | $79,000 | $112,000 |
| File Closed For Incompleteness | 2 | $230,000 | $115,000 | $145,000 | $107,000 | $165,000 |
| Application Approved But Not Accepted | 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 | 27 | $4,435,000 | $164,000 | $515,000 | $92,000 | $309,000 |
| Collateral | 3 | $105,000 | $35,000 | $55,000 | $91,000 | $132,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $47,000 | $47,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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