Pondera County, MT Mortgage Lenders & HMDA Data, 2007

In 2007, lenders reported 272 mortgage applications in Pondera County, MT totaling $29.0 million, down 6% from 2006. The average application was for $106,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was Stockman Bank of Montana, with 49 applications, followed by Wells Fargo Bank, NA and Countrywide Home Loans.

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Total Number of Mortgage Applications 272
Total Mortgage Loan Application Amount $29,018,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,207,000
Average Applicant Income $64,000
Highest Applicant Income $1,403,000

Mortgage Company List for Lending in Pondera County, MT for 2007

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 1,262,566,000 49 $ 8,134,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 398,671,000,000 34 $ 2,168,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 17 $ 1,933,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 92,836,714,000 16 $ 2,407,000
1st Liberty
6200 3RD AVE N
GREAT FALLS, MT 59401
* $ 103,612,000 15 $ 1,005,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 15 $ 1,026,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 10 $ 756,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 10 $ 718,000
Wells Fargo Fin'l Montana, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 9 $ 757,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 955,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 217,802,326,000 7 $ 987,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 6 $ 381,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 401,000
Montana Mortgage Company
PO BOX 1917
KALISPELL, MT 59903
* $ 31,000,000 5 $ 380,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 5 $ 325,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 345,610,758,000 4 $ 373,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 182,588,156,000 4 $ 402,000
Wealthbridge Mortgage Corp.
15455 NW GREENBRIER PKWY, STE. 111
BEAVERTON, OR 97006
* $ 10,000,000 3 $ 215,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 3 $ 265,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 26,048,419,000 2 $ 71,000
Golf Savings Bank
6505 218TH ST SW SUITE 6
MOUNTLAKE TERRACE, WA 98043
* $ 309,113,000 2 $ 91,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 227,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 2 $ 800,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 169,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ 10,000,000 2 $ 461,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 196,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 2 $ 143,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 2 $ 314,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,179,390,000,000 2 $ 271,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 4,946,491,000 2 $ 205,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 204,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,419,450,000 2 $ 148,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 165,673,017,000 2 $ 125,000
Greenpoint Mortgage Funding
100 WOOD HOLLOW DRIVE
NOVATO, CA 94945
* $ 6,677,533,000 1 $ 145,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,196,123,794,000 1 $ 48,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 88,081,220,000 1 $ 15,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 1 $ 113,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 56,382,388,000 1 $ 75,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 37,608,492,000 1 $ 88,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 1 $ 80,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 1 $ 44,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 1 $ 92,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 95,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 240,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 250,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 41,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 1 $ 44,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 1 $ 150,000
AMC Mortgage Services, Inc.
1100 TOWN & COUNTRY ROAD, SUITE 1100
IRVINE, CA 92868
* $ 10,000,000 1 $ 78,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 19,105,280,000 1 $ 118,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 9,550,274,000 1 $ 75,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 1 $ 169,000

The tables below break down 2007 mortgage applications in Pondera 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 Pondera 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
Refinancing 138 $16,338,000 $118,000 $1,207,000 $65,000 $1,403,000
Home Purchase 107 $10,973,000 $102,000 $450,000 $59,000 $376,000
Home Improvement 27 $1,707,000 $63,000 $250,000 $73,000 $366,000

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 216 $19,962,000 $92,000 $446,000 $62,000 $376,000
Not applicable 26 $5,171,000 $198,000 $1,207,000 $83,000 $1,403,000
Not Provided 22 $3,142,000 $142,000 $450,000 $62,000 $204,000
American Indian or Alaskan Native 4 $299,000 $74,000 $95,000 $40,000 $68,000
Hispanic 4 $444,000 $111,000 $140,000 $57,000 $63,000
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) 255 $27,291,000 $107,000 $1,207,000 $65,000 $1,403,000
FHA-insured (Federal Housing Administration) 13 $1,203,000 $92,000 $193,000 $45,000 $76,000
VA-guaranteed (Veterans Administration) 4 $524,000 $131,000 $266,000 $83,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $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 123 $14,204,000 $115,000 $1,207,000 $77,000 $1,403,000
Application Denied By Financial Institution 56 $4,896,000 $87,000 $450,000 $52,000 $204,000
Loan Purchased By The Institution 52 $5,527,000 $106,000 $280,000 $51,000 $164,000
Application Withdrawn By Applicant 30 $3,228,000 $107,000 $350,000 $59,000 $160,000
Application Approved But Not Accepted 8 $749,000 $93,000 $193,000 $51,000 $82,000
File Closed For Incompleteness 3 $414,000 $138,000 $200,000 $74,000 $109,000
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 8 $618,000 $77,000 $170,000 $38,000 $72,000
Collateral 5 $428,000 $85,000 $140,000 $74,000 $180,000
Debt-To-Income Ratio 4 $507,000 $126,000 $169,000 $86,000 $183,000
Other 4 $247,000 $61,000 $92,000 $40,000 $49,000
Unverifiable Information 2 $142,000 $71,000 $82,000 $32,000 $35,000
Insufficient Cash (Downpayment, Closing Cost) 1 $31,000 $31,000 $31,000 $52,000 $52,000
Credit Application Incomplete 1 $104,000 $104,000 $104,000 $156,000 $156,000
Employment History 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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