Phillips County, MT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 94 mortgage applications in Phillips County, MT totaling $11.6 million, down 40% from 2007. The average application was for $123,000, and applicants reported an average income of $77,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank, NA, with 14 applications, followed by US Bank, N.A. and Streeter Brothers Mortgage Cor.
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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 | 94 |
| Total Mortgage Loan Application Amount | $11,568,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $944,000 |
| 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 |
* | $ 467,861,000,000 | 14 | $ 904,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 11 | $ 1,050,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 11 | $ 1,397,000 |
| Home Owners Mortgage Equity Co 801 15TH STREET WEST BILLINGS, MT 59102 |
* | $ 10,000,000 | 10 | $ 1,041,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 9 | $ 893,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,087,506,000 | 5 | $ 2,335,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 4 | $ 367,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 440,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 454,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 344,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 3 | $ 492,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 303,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 155,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 68,000 |
| Wells Fargo Fin'l Montana, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 152,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 1 | $ 104,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 50,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 40,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 1,472,725,000 | 1 | $ 33,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 112,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 44,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Netmore America, Inc. 109 EAST MAIN STREET, SUITE 301 WALLA WALLA, WA 99362 |
* | $ 37,000,000 | 1 | $ 155,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 104,000 |
The tables below break down 2008 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 2008
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 | 45 | $6,370,000 | $141,000 | $1,500,000 | $87,000 | $944,000 |
| Refinancing | 43 | $4,653,000 | $108,000 | $306,000 | $67,000 | $196,000 |
| Home Improvement | 6 | $545,000 | $90,000 | $200,000 | $70,000 | $138,000 |
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 | 75 | $9,866,000 | $131,000 | $1,500,000 | $88,000 | $944,000 |
| Not applicable | 11 | $1,055,000 | $95,000 | $182,000 | $5,000 | $65,000 |
| Not Provided | 6 | $455,000 | $75,000 | $170,000 | $71,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $152,000 | $152,000 | $152,000 | $75,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $28,000 | $28,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 55 | $7,506,000 | $136,000 | $1,500,000 | $99,000 | $944,000 |
| FHA-insured (Federal Housing Administration) | 35 | $3,764,000 | $107,000 | $203,000 | $47,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $221,000 | $73,000 | $86,000 | $28,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 1 | $77,000 | $77,000 | $77,000 | $46,000 | $46,000 |
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 | 49 | $6,977,000 | $142,000 | $1,500,000 | $100,000 | $944,000 |
| Application Denied By Financial Institution | 19 | $1,711,000 | $90,000 | $200,000 | $53,000 | $102,000 |
| Loan Purchased By The Institution | 16 | $1,620,000 | $101,000 | $182,000 | $24,000 | $118,000 |
| Application Withdrawn By Applicant | 5 | $298,000 | $59,000 | $116,000 | $75,000 | $138,000 |
| File Closed For Incompleteness | 3 | $456,000 | $152,000 | $203,000 | $89,000 | $132,000 |
| Application Approved But Not Accepted | 2 | $506,000 | $253,000 | $306,000 | $146,000 | $196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $846,000 | $105,000 | $183,000 | $60,000 | $102,000 |
| Debt-To-Income Ratio | 4 | $421,000 | $105,000 | $155,000 | $21,000 | $30,000 |
| Credit History | 2 | $62,000 | $31,000 | $50,000 | $56,000 | $70,000 |
| Employment History | 1 | $28,000 | $28,000 | $28,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $62,000 | $62,000 |
| Other | 1 | $61,000 | $61,000 | $61,000 | $92,000 | $92,000 |
| Unverifiable Information | 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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