Phillips County, MT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 75 mortgage applications in Phillips County, MT totaling $9.5 million, down 33% from 2016. The average application was for $126,000, and applicants reported an average income of $57,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 10 applications, followed by United Wholesale Mortgage and First Interstate Bank.
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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 | 75 |
| Total Mortgage Loan Application Amount | $9,503,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $226,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 10 | $ 789,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 7 | $ 1,109,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 9,038,469,000 | 5 | $ 414,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 4 | $ 537,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 4 | $ 434,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 3 | $ 604,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 442,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 436,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 304,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 321,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 232,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 2 | $ 9,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,229,259,000 | 2 | $ 321,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,433,163,000 | 1 | $ 156,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 200,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,497,697,000 | 1 | $ 98,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 131,174,000 | 1 | $ 130,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 668,242,000 | 1 | $ 227,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 139,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 193,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 108,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 54,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 58,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 197,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 100,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 53,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 81,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 123,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 56,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 84,000 |
The tables below break down 2017 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 2017
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 | 38 | $5,011,000 | $131,000 | $327,000 | $50,000 | $226,000 |
| Refinancing | 25 | $3,513,000 | $140,000 | $360,000 | $62,000 | $212,000 |
| Home Improvement | 12 | $979,000 | $81,000 | $220,000 | $69,000 | $118,000 |
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 | 53 | $6,951,000 | $131,000 | $327,000 | $69,000 | $226,000 |
| Not applicable | 10 | $1,226,000 | $122,000 | $221,000 | $2,000 | $20,000 |
| American Indian or Alaskan Native | 6 | $329,000 | $54,000 | $130,000 | $41,000 | $79,000 |
| Not Provided | 5 | $800,000 | $160,000 | $360,000 | $59,000 | $111,000 |
| Hispanic | 1 | $197,000 | $197,000 | $197,000 | $84,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 45 | $5,557,000 | $123,000 | $315,000 | $63,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 18 | $1,872,000 | $104,000 | $221,000 | $36,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $804,000 | $114,000 | $178,000 | $34,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,270,000 | $254,000 | $360,000 | $106,000 | $226,000 |
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 | $5,833,000 | $135,000 | $360,000 | $68,000 | $212,000 |
| Application Denied By Financial Institution | 12 | $1,057,000 | $88,000 | $165,000 | $44,000 | $79,000 |
| Loan Purchased By The Institution | 10 | $1,226,000 | $122,000 | $221,000 | $2,000 | $20,000 |
| Application Withdrawn By Applicant | 7 | $1,176,000 | $168,000 | $327,000 | $85,000 | $226,000 |
| Application Approved But Not Accepted | 2 | $81,000 | $40,000 | $77,000 | $91,000 | $118,000 |
| File Closed For Incompleteness | 1 | $130,000 | $130,000 | $130,000 | $32,000 | $32,000 |
| 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 | 3 | $281,000 | $93,000 | $100,000 | $47,000 | $49,000 |
| Credit History | 2 | $9,000 | $4,000 | $5,000 | $48,000 | $54,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $79,000 | $79,000 |
| Employment History | 1 | $156,000 | $156,000 | $156,000 | $22,000 | $22,000 |
| Other | 1 | $54,000 | $54,000 | $54,000 | $43,000 | $43,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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