Phillips County, MT Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 115 mortgage applications in Phillips County, MT totaling $9.4 million, up 11% from 2005. The average application was for $81,000, and applicants reported an average income of $56,000. 37% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 18 applications, followed by Countrywide Home Loans and Beneficial Company LLC.
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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 | 115 |
| Total Mortgage Loan Application Amount | $9,365,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $253,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $200,000 |
| 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 | 18 | $ 1,410,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 12 | $ 664,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 742,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,753,483,000 | 7 | $ 654,000 |
| Home Owners Mortgage Equity Co 801 15TH STREET WEST BILLINGS, MT 59102 |
* | $ 10,000,000 | 7 | $ 654,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 6 | $ 494,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 523,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 4 | $ 285,000 |
| Sunset Direct Lending 5000 SW MEADOWS ROAD SUITE 131 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 2 | $ 65,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 185,377,000 | 2 | $ 254,000 |
| Home Capital, Inc. 5909 PEACHTREE-DUNWOODY ROAD NE, STE 100 ATLANTA, GA 30328 |
* | $ 5,165,631,000 | 2 | $ 212,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 88,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 2 | $ 273,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,695,498,000 | 2 | $ 243,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 121,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 182,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 2 | $ 228,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 2 | $ 74,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 210,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 218,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000,000 | 1 | $ 25,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 4,537,484,000 | 1 | $ 68,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 20,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 1 | $ 115,000 |
| Heritage Bank 120 1ST AVENUE NORTH GREAT FALLS, MT 59401 |
* | $ 385,486,000 | 1 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Realty Mortgage 215 KATHERINE DR. FLOWOOD, MS 39232 |
* | $ 10,000,000 | 1 | $ 109,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 33,011,949,000 | 1 | $ 135,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 1 | $ 131,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 45,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 86,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 1 | $ 52,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 1 | $ 53,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 1 | $ 59,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 150,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 76,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 51,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 42,000 |
The tables below break down 2006 mortgage applications in Phillips 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 Phillips 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 | 63 | $5,571,000 | $88,000 | $253,000 | $55,000 | $200,000 |
| Home Purchase | 45 | $3,425,000 | $76,000 | $170,000 | $57,000 | $176,000 |
| Home Improvement | 7 | $369,000 | $52,000 | $132,000 | $54,000 | $86,000 |
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 | 87 | $7,087,000 | $81,000 | $181,000 | $55,000 | $176,000 |
| Not applicable | 12 | $1,139,000 | $94,000 | $181,000 | $36,000 | $97,000 |
| Not Provided | 9 | $710,000 | $78,000 | $253,000 | $85,000 | $200,000 |
| American Indian or Alaskan Native | 5 | $313,000 | $62,000 | $81,000 | $58,000 | $90,000 |
| Black or African American | 1 | $56,000 | $56,000 | $56,000 | $72,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $53,000 | $53,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 84 | $6,702,000 | $79,000 | $253,000 | $63,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,083,000 | $80,000 | $181,000 | $30,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 4 | $518,000 | $129,000 | $150,000 | $66,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $62,000 | $62,000 | $62,000 | $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 | 43 | $3,306,000 | $76,000 | $181,000 | $51,000 | $176,000 |
| Application Denied By Financial Institution | 26 | $2,216,000 | $85,000 | $253,000 | $59,000 | $120,000 |
| Loan Purchased By The Institution | 20 | $1,897,000 | $94,000 | $181,000 | $46,000 | $97,000 |
| Application Withdrawn By Applicant | 15 | $1,290,000 | $86,000 | $175,000 | $79,000 | $200,000 |
| Application Approved But Not Accepted | 11 | $656,000 | $59,000 | $132,000 | $53,000 | $76,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $766,000 | $127,000 | $253,000 | $68,000 | $120,000 |
| Other | 6 | $432,000 | $72,000 | $156,000 | $61,000 | $95,000 |
| Credit History | 4 | $174,000 | $43,000 | $64,000 | $54,000 | $86,000 |
| Debt-To-Income Ratio | 1 | $28,000 | $28,000 | $28,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $162,000 | $162,000 | $162,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 1 | $59,000 | $59,000 | $59,000 | $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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