Liberty County, MT Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 30 mortgage applications in Liberty County, MT totaling $4.4 million, down 41% from 2021. The average application was for $146,000, and applicants reported an average income of $67,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Glacier Bank, with 6 applications, followed by Wells Fargo Bank NA and Stockman Bank of Montana.
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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 | 30 |
| Total Mortgage Loan Application Amount | $4,390,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $162,000 |
| 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 |
* | $ 25,919,785,000 | 6 | $ 1,510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 4 | $ 430,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 5,816,358,000 | 3 | $ 345,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 3 | $ 415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 2 | $ 90,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 260,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 420,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 105,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 95,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 115,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 115,000 |
| Park Side Credit Union 4055 BROOKS ST. SUITE C WHITEFISH, MT 59937 |
* | $ 381,535,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 185,000 |
The tables below break down 2022 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 2022
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 | 19 | $3,555,000 | $187,000 | $1,005,000 | $74,000 | $162,000 |
| Refinancing | 7 | $595,000 | $85,000 | $145,000 | $61,000 | $113,000 |
| Other Purpose | 2 | $90,000 | $45,000 | $45,000 | $56,000 | $75,000 |
| Cash-out Refinancing | 1 | $85,000 | $85,000 | $85,000 | $24,000 | $24,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $79,000 | $79,000 |
| 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 | 24 | $2,860,000 | $119,000 | $315,000 | $64,000 | $126,000 |
| Not applicable | 3 | $1,285,000 | $428,000 | $1,005,000 | $0 | $0 |
| Hispanic | 2 | $200,000 | $100,000 | $125,000 | $105,000 | $162,000 |
| American Indian or Alaskan Native | 1 | $45,000 | $45,000 | $45,000 | $75,000 | $75,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 22 | $3,440,000 | $156,000 | $1,005,000 | $68,000 | $162,000 |
| FHA-insured (Federal Housing Administration) | 6 | $680,000 | $113,000 | $125,000 | $69,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $92,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 1 | $85,000 | $85,000 | $85,000 | $24,000 | $24,000 |
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 | 17 | $2,385,000 | $140,000 | $315,000 | $76,000 | $162,000 |
| Application Denied By Financial Institution | 6 | $500,000 | $83,000 | $125,000 | $52,000 | $75,000 |
| Loan Purchased By The Institution | 3 | $385,000 | $128,000 | $185,000 | $70,000 | $70,000 |
| Application Withdrawn By Applicant | 2 | $1,020,000 | $510,000 | $1,005,000 | $16,000 | $16,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $65,000 | $70,000 | $79,000 |
| 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 | 24 | $3,890,000 | $162,000 | $1,005,000 | $72,000 | $162,000 |
| Collateral | 2 | $120,000 | $60,000 | $75,000 | $53,000 | $69,000 |
| Debt-To-Income Ratio | 2 | $210,000 | $105,000 | $125,000 | $40,000 | $57,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $50,000 | $50,000 |
| Credit History | 1 | $45,000 | $45,000 | $45,000 | $75,000 | $75,000 |
| 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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