Ravalli County, MT Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,632 mortgage applications in Ravalli County, MT totaling $498.5 million, up 22% from 2011. The average application was for $189,000, and applicants reported an average income of $74,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 470 applications, followed by Farmers State Bank and First Interstate Bank.

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Total Number of Mortgage Applications 2,632
Total Mortgage Loan Application Amount $498,542,000
Average Mortgage Loan Application Amount $189,000
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $74,000
Highest Applicant Income $1,435,000

Mortgage Company List for Lending in Ravalli County, MT for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 470 $ 91,551,000
Farmers State Bank
103 MAIN STREET VICTOR
VICTOR, MT 59875
* $ 310,926,000 187 $ 28,306,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 7,294,743,000 170 $ 29,934,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 161 $ 34,483,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 146 $ 25,808,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 9,207,809,000 139 $ 27,786,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 125 $ 21,693,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 79 $ 17,507,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 76 $ 14,103,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 66 $ 15,587,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 59 $ 12,650,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 49 $ 5,260,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 47 $ 11,899,000
Rocky Mountain Bank
2615 KING AVE WEST
BILLINGS, MT 59102
* $ 440,804,000 47 $ 7,110,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 43 $ 6,837,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 38 $ 6,966,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 38 $ 7,156,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 36 $ 5,951,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 35 $ 5,922,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 33 $ 5,376,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 32 $ 5,659,000
First Security Bank of Missoul
1704 DEARBORN AVE
MISSOULA, MT 59801
* $ 1,103,547,000 29 $ 5,390,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 28 $ 5,600,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 26 $ 4,639,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 24 $ 4,876,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 24 $ 4,821,000
Mountain West Bank, N.A.
1225 CEDAR STREET / PO BOX 6013
HELENA, MT 59604
* $ 640,825,000 23 $ 4,442,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 22 $ 3,654,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 18 $ 4,195,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 14 $ 2,408,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 14 $ 3,298,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 13 $ 3,697,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 12 $ 1,556,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 12 $ 2,449,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 11 $ 1,952,000
Trailwest Bank
PO BOX 9
LOLO, MT 59847
* $ 192,324,000 10 $ 1,384,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 10 $ 1,880,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 1,605,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 435,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 8 $ 1,594,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 1,100,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 7 $ 1,429,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 7 $ 1,151,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 6 $ 1,432,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 771,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 5 $ 1,069,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 436,856,000 5 $ 941,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 4 $ 871,000
First Montana Bank
201 N HIGGINS AVE
MISSOULA, MT 59802
* $ 295,700,000 4 $ 712,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 4 $ 945,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 4 $ 1,133,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 4 $ 587,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 4 $ 799,000
Gateway Community FCU
2300 GREAT NORTHERN WAY
MISSOULA, MT 59808
* $ 57,475,000 4 $ 30,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 4 $ 496,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 4 $ 1,994,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 3 $ 615,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 3 $ 885,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 3 $ 682,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 3 $ 627,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 3 $ 1,258,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 3 $ 138,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 2,225,317,000 3 $ 622,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 497,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 352,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 72,848,000 2 $ 400,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 687,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 2 $ 582,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 519,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 2 $ 348,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 2 $ 391,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 2 $ 162,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 379,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 2 $ 423,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 310,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 2 $ 319,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ 40,000,000 1 $ 99,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 160,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 210,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 163,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 194,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 1 $ 78,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 1 $ 116,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 27,791,801,000 1 $ 560,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 155,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 335,601,000 1 $ 235,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 137,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 131,079,000 1 $ 223,000
Western Security Bank
2812 1ST AVE NORTH
BILLINGS, MT 59101
* $ 807,620,000 1 $ 258,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 283,794,000 1 $ 759,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 255,171,000 1 $ 241,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,839,722,000 1 $ 411,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 116,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 742,389,000 1 $ 115,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 145,000
Embark
1500 RIVER DRIVE NORTH
GREAT FALLS, MT 59401
* $ 81,738,000 1 $ 198,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 25,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 1 $ 352,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 13,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 5,931,892,000 1 $ 148,000
American First Credit Union
6 POINTE DRIVE, STE 400
BREA, CA 92821
* $ 513,595,000 1 $ 210,000
Altana Federal Credit Union
3212 CENTRAL AVENUE
BILLINGS, MT 59102
* $ 201,720,000 1 $ 37,000
Clearwater Federal Credit Union
3600 BROOKS ST
MISSOULA, MT 59801
* $ 350,118,000 1 $ 366,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 2,132,797,000 1 $ 162,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 798,484,000 1 $ 200,000

The tables below break down 2012 mortgage applications in Ravalli 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 Ravalli County, MT in 2012

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 1,953 $382,198,000 $195,000 $2,000,000 $74,000 $1,435,000
Home Purchase 608 $109,672,000 $180,000 $1,760,000 $73,000 $936,000
Home Improvement 71 $6,672,000 $93,000 $395,000 $76,000 $364,000

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 2,129 $404,403,000 $189,000 $2,000,000 $78,000 $1,435,000
Not applicable 246 $45,972,000 $186,000 $1,760,000 $38,000 $219,000
Not Provided 205 $37,217,000 $181,000 $560,000 $74,000 $433,000
Hispanic 34 $7,900,000 $232,000 $761,000 $95,000 $456,000
American Indian or Alaskan Native 10 $1,720,000 $172,000 $295,000 $86,000 $156,000
Asian 3 $454,000 $151,000 $302,000 $43,000 $86,000
Black or African American 3 $483,000 $161,000 $192,000 $29,000 $46,000
Native Hawaiian or Other Pacific Islander 2 $393,000 $196,000 $241,000 $87,000 $125,000

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) 2,056 $390,825,000 $190,000 $2,000,000 $83,000 $1,435,000
VA-guaranteed (Veterans Administration) 237 $48,915,000 $206,000 $540,000 $41,000 $301,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 174 $27,482,000 $157,000 $302,000 $39,000 $93,000
FHA-insured (Federal Housing Administration) 165 $31,320,000 $189,000 $412,000 $41,000 $147,000

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 1,409 $265,672,000 $188,000 $1,760,000 $80,000 $895,000
Loan Purchased By The Institution 417 $75,122,000 $180,000 $417,000 $55,000 $1,435,000
Application Denied By Financial Institution 417 $79,328,000 $190,000 $1,200,000 $71,000 $936,000
Application Withdrawn By Applicant 186 $36,675,000 $197,000 $2,000,000 $75,000 $476,000
Application Approved But Not Accepted 116 $22,838,000 $196,000 $850,000 $78,000 $480,000
File Closed For Incompleteness 87 $18,907,000 $217,000 $740,000 $78,000 $720,000
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 102 $22,172,000 $217,000 $560,000 $91,000 $720,000
Debt-To-Income Ratio 53 $11,272,000 $212,000 $477,000 $55,000 $159,000
Credit History 42 $6,210,000 $147,000 $381,000 $83,000 $936,000
Other 36 $5,737,000 $159,000 $350,000 $75,000 $269,000
Credit Application Incomplete 30 $5,197,000 $173,000 $330,000 $71,000 $313,000
Unverifiable Information 15 $3,863,000 $257,000 $1,200,000 $90,000 $404,000
Insufficient Cash (Downpayment, Closing Cost) 5 $989,000 $197,000 $368,000 $75,000 $148,000
Employment History 3 $700,000 $233,000 $388,000 $70,000 $84,000
Mortgage Insurance Denied 1 $263,000 $263,000 $263,000 $101,000 $101,000

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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