Pondera County, MT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 201 mortgage applications in Pondera County, MT totaling $19.2 million, down 26% from 2007. The average application was for $95,000, and applicants reported an average income of $65,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Stockman Bank of Montana, with 37 applications, followed by Wells Fargo Bank, NA and Countrywide Bank FSB.
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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 | 201 |
| Total Mortgage Loan Application Amount | $19,158,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,321,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,874,000 |
| 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 |
* | $ 1,472,725,000 | 37 | $ 5,347,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 36 | $ 3,318,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 17 | $ 1,470,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 16 | $ 1,281,000 |
| 1st Liberty 6200 3RD AVE N GREAT FALLS, MT 59401 |
* | $ 108,890,000 | 11 | $ 942,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 631,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 698,000 |
| Wells Fargo Fin'l Montana, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 7 | $ 450,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 591,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 6 | $ 552,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 279,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 5 | $ 67,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,087,506,000 | 3 | $ 220,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 224,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 216,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 209,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 163,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 2 | $ 196,000 |
| Intouch Credit Union P O BOX 250169 PLANO, TX 75025 |
* | $ 562,730,000 | 1 | $ 39,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Mobility Home Loans 6077 PRIMACY PARKWAY, STE 300 MEMPHIS, TN 38119 |
* | $ 175,085,370,000 | 1 | $ 162,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 1 | $ 118,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 97,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 167,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 59,683,000 | 1 | $ 51,000 |
| Prairie Mountain Bank 1019 7TH STREET SOUTH GREAT FALLS, MT 59405 |
* | $ 67,543,000 | 1 | $ 30,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 122,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 106,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 94,000 |
| Farmers State Bank 103 MAIN STREET VICTOR VICTOR, MT 59875 |
* | $ 268,008,000 | 1 | $ 81,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 62,000 |
| First Security Bank of Missoul 1704 DEARBORN AVE MISSOULA, MT 59801 |
* | $ 792,319,000 | 1 | $ 66,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 95,861,810,000 | 1 | $ 44,000 |
| Mountain West Bank, N.A. 1225 CEDAR STREET / PO BOX 6013 HELENA, MT 59604 |
* | $ 682,822,000 | 1 | $ 64,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 1 | $ 72,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 120,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 33,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 1 | $ 369,000 |
The tables below break down 2008 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 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 | 96 | $7,891,000 | $82,000 | $288,000 | $49,000 | $263,000 |
| Refinancing | 78 | $9,732,000 | $124,000 | $1,321,000 | $90,000 | $1,874,000 |
| Home Improvement | 27 | $1,535,000 | $56,000 | $145,000 | $54,000 | $109,000 |
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 | 166 | $15,751,000 | $94,000 | $1,321,000 | $66,000 | $1,874,000 |
| Not applicable | 15 | $2,297,000 | $153,000 | $739,000 | $72,000 | $725,000 |
| Not Provided | 12 | $536,000 | $44,000 | $133,000 | $55,000 | $109,000 |
| American Indian or Alaskan Native | 5 | $299,000 | $59,000 | $94,000 | $37,000 | $52,000 |
| Hispanic | 2 | $219,000 | $109,000 | $122,000 | $71,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $56,000 | $56,000 | $56,000 | $60,000 | $60,000 |
| 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) | 146 | $14,201,000 | $97,000 | $1,321,000 | $76,000 | $1,874,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,042,000 | $92,000 | $167,000 | $41,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,063,000 | $81,000 | $133,000 | $22,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 9 | $852,000 | $94,000 | $133,000 | $49,000 | $110,000 |
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 | 101 | $10,983,000 | $108,000 | $1,321,000 | $82,000 | $1,874,000 |
| Application Denied By Financial Institution | 39 | $3,252,000 | $83,000 | $210,000 | $47,000 | $115,000 |
| Loan Purchased By The Institution | 25 | $2,160,000 | $86,000 | $182,000 | $38,000 | $83,000 |
| Application Withdrawn By Applicant | 18 | $1,581,000 | $87,000 | $162,000 | $61,000 | $97,000 |
| Application Approved But Not Accepted | 11 | $724,000 | $65,000 | $129,000 | $55,000 | $133,000 |
| File Closed For Incompleteness | 7 | $458,000 | $65,000 | $118,000 | $57,000 | $90,000 |
| 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 | 7 | $719,000 | $102,000 | $210,000 | $50,000 | $115,000 |
| Credit History | 7 | $427,000 | $61,000 | $145,000 | $35,000 | $55,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $29,000 | $29,000 |
| Employment History | 1 | $84,000 | $84,000 | $84,000 | $1,000 | $1,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $48,000 | $48,000 | $48,000 | $9,000 | $9,000 |
| Other | 1 | $17,000 | $17,000 | $17,000 | $26,000 | $26,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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