Phillips County, MT Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 72 mortgage applications in Phillips County, MT totaling $10.4 million, down 5% from 2023. The average application was for $144,000, and applicants reported an average income of $83,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was United Wholesale Mortgage, with 10 applications, followed by Independence Bank and City 1st Mortgage Services, Lc.
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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 | 72 |
| Total Mortgage Loan Application Amount | $10,420,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $361,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 10 | $ 1,380,000 |
| Independence Bank 435 3RD ST HAVRE, MT 59501 |
* | $ n/a | 7 | $ 565,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 4 | $ 910,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 685,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ n/a | 3 | $ 185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 500,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 610,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 80,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 125,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 55,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 155,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 105,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 265,000 |
| Intrepid Credit Union 915 KESSLER STREET HELENA, MT 59601 |
* | $ n/a | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 255,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 105,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 225,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ n/a | 1 | $ 175,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ n/a | 1 | $ 105,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 85,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 55,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 115,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ n/a | 1 | $ 145,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 1 | $ 455,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 115,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2024 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 2024
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 | 40 | $6,170,000 | $154,000 | $345,000 | $86,000 | $361,000 |
| Cash-out Refinancing | 14 | $2,140,000 | $152,000 | $455,000 | $88,000 | $234,000 |
| Other Purpose | 9 | $775,000 | $86,000 | $155,000 | $65,000 | $120,000 |
| Refinancing | 8 | $1,250,000 | $156,000 | $255,000 | $80,000 | $171,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $90,000 | $90,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 44 | $6,500,000 | $147,000 | $345,000 | $82,000 | $234,000 |
| Not Provided | 14 | $1,930,000 | $137,000 | $455,000 | $97,000 | $361,000 |
| American Indian or Alaskan Native | 9 | $1,125,000 | $125,000 | $265,000 | $72,000 | $125,000 |
| Not applicable | 3 | $595,000 | $198,000 | $265,000 | $0 | $0 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $92,000 | $92,000 |
| Hispanic | 1 | $165,000 | $165,000 | $165,000 | $67,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 46 | $5,740,000 | $124,000 | $345,000 | $91,000 | $361,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,760,000 | $197,000 | $455,000 | $75,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,665,000 | $151,000 | $265,000 | $56,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $255,000 | $255,000 | $255,000 | $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 | 39 | $5,875,000 | $150,000 | $345,000 | $94,000 | $361,000 |
| Application Denied By Financial Institution | 14 | $1,210,000 | $86,000 | $155,000 | $63,000 | $120,000 |
| Application Withdrawn By Applicant | 6 | $1,290,000 | $215,000 | $455,000 | $67,000 | $125,000 |
| File Closed For Incompleteness | 5 | $945,000 | $189,000 | $255,000 | $67,000 | $117,000 |
| Application Approved But Not Accepted | 5 | $505,000 | $101,000 | $205,000 | $69,000 | $171,000 |
| Loan Purchased By The Institution | 3 | $595,000 | $198,000 | $265,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 51 | $8,645,000 | $169,000 | $455,000 | $80,000 | $234,000 |
| Debt-To-Income Ratio | 9 | $805,000 | $89,000 | $145,000 | $118,000 | $361,000 |
| Credit History | 8 | $530,000 | $66,000 | $105,000 | $66,000 | $120,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $145,000 | $74,000 | $74,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $69,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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