Phillips County, MT Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 156 mortgage applications in Phillips County, MT totaling $14.5 million, up 36% from 2006. The average application was for $92,000, and applicants reported an average income of $51,000. 44% of applications resulted in an originated loan and 17% were denied. The most active lender was Countrywide Home Loans, with 22 applications, followed by Wells Fargo Bank, NA and Home Owners Mortgage Equity Co.
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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 | 156 |
| Total Mortgage Loan Application Amount | $14,465,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $171,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 22 | $ 1,814,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 17 | $ 1,576,000 |
| Home Owners Mortgage Equity Co 801 15TH STREET WEST BILLINGS, MT 59102 |
* | $ 10,000,000 | 15 | $ 1,148,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 10 | $ 688,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 751,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 7 | $ 480,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 3,637,603,000 | 7 | $ 531,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 7 | $ 573,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 7 | $ 547,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 519,000 |
| Wells Fargo Fin'l Montana, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 226,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 3 | $ 222,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 714,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 3 | $ 286,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 3 | $ 268,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 2 | $ 98,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 137,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 2 | $ 124,000 |
| Centennial Bank 4605 HARRISON BLVD SUITE #1 OGDEN, UT 84403 |
* | $ 196,954,000 | 2 | $ 149,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 210,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 151,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 2 | $ 249,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 254,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 34,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 650,132,000 | 1 | $ 1,200,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Questa Home Loans LLC 836 HOLT DRIVE SUITE 212 BIGFORK, MT 59911 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 52,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 1,262,566,000 | 1 | $ 32,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 438,871,000 | 1 | $ 80,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 1 | $ 75,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 1 | $ 92,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 289,000 |
The tables below break down 2007 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 2007
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 | 78 | $6,721,000 | $86,000 | $195,000 | $48,000 | $115,000 |
| Refinancing | 67 | $7,215,000 | $107,000 | $1,200,000 | $55,000 | $171,000 |
| Home Improvement | 11 | $529,000 | $48,000 | $124,000 | $45,000 | $71,000 |
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 | 115 | $10,761,000 | $93,000 | $1,200,000 | $54,000 | $171,000 |
| Not applicable | 19 | $1,732,000 | $91,000 | $195,000 | $22,000 | $95,000 |
| Not Provided | 12 | $1,113,000 | $92,000 | $289,000 | $53,000 | $83,000 |
| American Indian or Alaskan Native | 8 | $739,000 | $92,000 | $149,000 | $52,000 | $79,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $101,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $30,000 | $30,000 | $30,000 | $71,000 | $71,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 115 | $10,608,000 | $92,000 | $1,200,000 | $54,000 | $171,000 |
| FHA-insured (Federal Housing Administration) | 36 | $3,298,000 | $91,000 | $289,000 | $40,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 3 | $433,000 | $144,000 | $191,000 | $85,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $126,000 | $63,000 | $81,000 | $31,000 | $41,000 |
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 | 68 | $5,810,000 | $85,000 | $463,000 | $48,000 | $107,000 |
| Loan Purchased By The Institution | 31 | $2,697,000 | $87,000 | $191,000 | $39,000 | $100,000 |
| Application Denied By Financial Institution | 26 | $3,355,000 | $129,000 | $1,200,000 | $60,000 | $171,000 |
| Application Withdrawn By Applicant | 18 | $1,553,000 | $86,000 | $195,000 | $45,000 | $95,000 |
| Application Approved But Not Accepted | 11 | $809,000 | $73,000 | $175,000 | $81,000 | $115,000 |
| File Closed For Incompleteness | 2 | $241,000 | $120,000 | $180,000 | $103,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $465,000 | $93,000 | $128,000 | $58,000 | $81,000 |
| Other | 5 | $309,000 | $61,000 | $93,000 | $65,000 | $91,000 |
| Collateral | 2 | $182,000 | $91,000 | $92,000 | $90,000 | $101,000 |
| Credit Application Incomplete | 2 | $63,000 | $31,000 | $52,000 | $35,000 | $42,000 |
| Debt-To-Income Ratio | 2 | $1,265,000 | $632,000 | $1,200,000 | $94,000 | $171,000 |
| Unverifiable Information | 1 | $99,000 | $99,000 | $99,000 | $18,000 | $18,000 |
| 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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