Mineral County, MT Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 424 mortgage applications in Mineral County, MT totaling $52.3 million, up 12% from 2005. The average application was for $123,000, and applicants reported an average income of $77,000. 41% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 59 applications, followed by Trailwest Bank and Countrywide Home Loans.

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Total Number of Mortgage Applications 424
Total Mortgage Loan Application Amount $52,324,000
Average Mortgage Loan Application Amount $123,000
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $77,000
Highest Applicant Income $5,280,000

Mortgage Company List for Lending in Mineral County, MT for 2006

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
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 59 $ 8,770,000
Trailwest Bank
PO BOX 9
LOLO, MT 59847
* $ 172,231,000 41 $ 2,759,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 175,085,370,000 40 $ 5,886,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 29 $ 2,803,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 24 $ 3,323,000
Countrywide Bank, N.A.
35 NORTH LAKE, MS 35-148
PASADENA, CA 91101
* $ 73,116,292,000 21 $ 3,347,000
Wells Fargo Fin'l Montana, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 10 $ 1,177,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 8 $ 883,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 788,000
American Home Mortgage Corp.
538 BROADHOLLOW RD
MELVILLE, NY 11747
* $ 10,000,000 7 $ 628,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,013,985,000,000 7 $ 860,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 7 $ 1,150,000
Draper and Kramer Mortgage Cor
400 QUADRANGLE DR. STE A
BOLINGBROOK, IL 60440
* $ 10,000,000 6 $ 876,000
Montana Mortgage Company
PO BOX 1917
KALISPELL, MT 59903
* $ 31,000,000 6 $ 1,135,000
Home123 Corporation
3351 MICHELSON DRIVE, SUITE 400
IRVINE, CA 92612
* $ 10,000,000 6 $ 834,000
First Security Bank of Missoul
1704 DEARBORN AVE
MISSOULA, MT 59801
* $ 768,677,000 6 $ 471,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 5 $ 487,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 22,481,092,000 5 $ 415,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 20,329,938,000 5 $ 458,000
Wealthbridge Mortgage Corp.
15455 NW GREENBRIER PKWY, STE. 111
BEAVERTON, OR 97006
* $ 10,000,000 5 $ 323,000
Fieldstone Mortgage Company
11000 BROKEN LAND PARKWAY, SUITE 900
COLUMBIA, MD 21044
* $ 10,000,000 5 $ 573,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000 5 $ 738,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 4 $ 486,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 330,706,384,000 3 $ 477,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 81,074,402,000 3 $ 271,000
Decision One Mortgage
26525 N. RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 3,387,027,000 3 $ 522,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 208,867,410,000 3 $ 172,000
New Century Mortgage Corporati
18400 VON KARMAN AVE., SUITE 1000
IRVINE, CA 92612
* $ 10,000,000 3 $ 508,000
First Magnus Financial Corp
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 3 $ 259,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 3 $ 313,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 405,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 368,000
First Horizon Home Loan Corp
4000 HORIZON WAY
IRVING, TX 75063
* $ 1,446,000,000 3 $ 373,000
Mountain West Bank
P O BOX 1059
COEUR D'ALENE, ID 83816
* $ 779,788,000 3 $ 760,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 706,497,000,000 2 $ 110,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 250,000
Webster Bank, N.A.
145 BANK ST
WATERBURY, CT 06702
* $ 17,599,320,000 2 $ 469,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 2 $ 130,000
North Fork Bank
265 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 57,044,790,000 2 $ 289,000
Greenpoint Mortgage Funding
4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD
CHARLOTTE, NC 28217
* $ 6,677,533,000 2 $ 239,000
Green Tree Servicing LLC
345 ST. PETER STREET
ST. PAUL, MN 55102
* $ 31,000,000 2 $ 69,000
Heritage Bank
120 1ST AVENUE NORTH
GREAT FALLS, MT 59401
* $ 385,486,000 2 $ 128,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 177,231,290,000 2 $ 436,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 4,537,484,000 2 $ 121,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,241,462,000 2 $ 255,000
Wmc Mortgage Corp.
3100 THORTON AVE
BURBANK, CA 91504
* $ 31,000,000 2 $ 191,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 2 $ 60,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 2 $ 155,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 162,000
BNC Mortgage
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 2,500,000,000 2 $ 480,000
Citifinancial Mtg Co, Inc
4000 REGENT BLVD
IRVING, TX 75063
* $ 32,424,600,000 2 $ 167,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,054,001,000 1 $ 125,000
Guaranty Bank
8333 DOUGLAS AVENUE
DALLAS, TX 75225
* $ 17,675,590,000 1 $ 107,000
Sovereign Bank
1130 BERKSHIRE BOULEVARD
WYOMISSING, PA 19610
* $ 63,658,270,000 1 $ 24,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,695,498,000 1 $ 320,000
Merrill Lynch Mortgage Lending
4 WORLD FINANCIAL CENTER, 12TH FLOOR
NEW YORK, NY 10280
* $ 19,717,040,000 1 $ 1,000,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 177,231,290,000 1 $ 144,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 1 $ 74,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 2,429,481,000 1 $ 44,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,082,250,290,000 1 $ 111,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 75,051,579,000 1 $ 66,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 3,900,290,000 1 $ 10,000
Mbna America Delaware, N.A.
200 N COLLEGE ST NC1-004-04-13
CHARLOTTE, NC 28255
* $ 5,455,865,000 1 $ 119,000
Loancity
5671 SANTA TERESA BOULEVARD
SAN JOSE, CA 95123
* $ 10,000,000 1 $ 125,000
H&R Block Mortgage Corporation
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 112,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 99,000
First Amerrican Mortgage Trust
56 HARVARD STREET
BROOKLINE, MA 02445
* $ 10,000,000 1 $ 139,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 165,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 1 $ 90,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 94,000
Impac Funding Corp
19500 JAMBOREE ROAD
IRVINE, CA 92612
* $ 10,000,000 1 $ 322,000
Home Capital, Inc.
5909 PEACHTREE-DUNWOODY ROAD NE, STE 100
ATLANTA, GA 30328
* $ 5,165,631,000 1 $ 60,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 27,000
Nationwide Lending Corporation
165 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 25,616,472,000 1 $ 100,000
Aegis Wholesale Corporation
3250 BRIARPARK DR SUITE 400
HOUSTON, TX 77042
* $ 10,000,000 1 $ 108,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 1 $ 85,000
Liberty Financial Group, Inc.
205 108TH AVE NE STE. 270
BELLEVUE, WA 98004
* $ 10,000,000 1 $ 144,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 1 $ 82,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE #2
MURRAY, UT 84107
* $ 10,000,000 1 $ 113,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 70,000
Millennia Mortgage Corporation
9891 IRVINE CENTER DRIVE, STE. 200
IRVINE, CA 92618
* $ 10,000,000 1 $ 103,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 145,000
Challenge Financial Investors
360 CENTRAL AVENUE SUITE #600
SAINT PETERSBURG, FL 33701
* $ 10,000,000 1 $ 125,000
Southstar Funding, LLC
400 NORTHRDIGE ROAD, SUITE 1000
ATLANTA, GA 30350
* $ 10,000,000 1 $ 86,000
Farmers State Bank
103 MAIN STREET VICTOR
VICTOR, MT 59875
* $ 245,107,000 1 $ 78,000

The tables below break down 2006 mortgage applications in Mineral 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 Mineral 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 252 $33,717,000 $133,000 $1,000,000 $66,000 $334,000
Home Purchase 134 $16,432,000 $122,000 $431,000 $104,000 $5,280,000
Home Improvement 38 $2,175,000 $57,000 $428,000 $55,000 $148,000

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 348 $43,286,000 $124,000 $1,000,000 $85,000 $5,280,000
Not applicable 39 $4,759,000 $122,000 $343,000 $38,000 $542,000
Not Provided 28 $2,487,000 $88,000 $217,000 $43,000 $150,000
American Indian or Alaskan Native 3 $192,000 $64,000 $120,000 $26,000 $38,000
Black or African American 2 $159,000 $79,000 $85,000 $56,000 $101,000
Hispanic 2 $263,000 $131,000 $167,000 $141,000 $240,000
Native Hawaiian or Other Pacific Islander 1 $1,000,000 $1,000,000 $1,000,000 $0 $0
Asian 1 $178,000 $178,000 $178,000 $36,000 $36,000

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) 400 $49,174,000 $122,000 $1,000,000 $79,000 $5,280,000
FHA-insured (Federal Housing Administration) 20 $2,583,000 $129,000 $190,000 $49,000 $107,000
VA-guaranteed (Veterans Administration) 3 $477,000 $159,000 $195,000 $41,000 $46,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $90,000 $90,000 $90,000 $0 $0

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 175 $21,490,000 $122,000 $1,000,000 $94,000 $5,280,000
Application Denied By Financial Institution 82 $8,938,000 $109,000 $595,000 $62,000 $334,000
Loan Purchased By The Institution 79 $11,149,000 $141,000 $1,000,000 $52,000 $542,000
Application Withdrawn By Applicant 45 $5,775,000 $128,000 $460,000 $60,000 $282,000
Application Approved But Not Accepted 24 $2,743,000 $114,000 $360,000 $79,000 $542,000
File Closed For Incompleteness 19 $2,229,000 $117,000 $358,000 $126,000 $334,000
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
Other 15 $2,198,000 $146,000 $595,000 $82,000 $205,000
Credit History 11 $1,222,000 $111,000 $428,000 $45,000 $136,000
Collateral 9 $1,207,000 $134,000 $384,000 $131,000 $334,000
Debt-To-Income Ratio 7 $752,000 $107,000 $145,000 $39,000 $61,000
Credit Application Incomplete 2 $191,000 $95,000 $125,000 $30,000 $30,000
Unverifiable Information 2 $168,000 $84,000 $134,000 $71,000 $71,000
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

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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