Richland County, MT Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 393 mortgage applications in Richland County, MT totaling $50.2 million, down 23% from 2009. The average application was for $127,000, and applicants reported an average income of $71,000. 56% of applications resulted in an originated loan and 10% were denied. The most active lender was Stockman Bank of Montana, with 148 applications, followed by Wells Fargo Bank, NA and Bank of America, N.A..
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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 | 393 |
| Total Mortgage Loan Application Amount | $50,187,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,692,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $1,240,000 |
| 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 |
* | $ 1,787,838,000 | 148 | $ 21,548,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 58 | $ 5,780,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 39 | $ 4,843,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 38 | $ 5,600,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 20 | $ 2,395,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 13 | $ 1,404,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 8 | $ 631,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 436,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 7 | $ 965,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 739,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 4 | $ 471,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 552,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 302,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 2 | $ 171,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 2 | $ 132,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 2 | $ 183,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 132,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 222,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 167,806,000 | 1 | $ 68,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 270,000 |
| Western Security Bank 2812 1ST AVE NORTH BILLINGS, MT 59101 |
* | $ 624,655,000 | 1 | $ 172,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 361,363,000 | 1 | $ 230,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 38,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 503,939,000 | 1 | $ 39,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,113,169,000 | 1 | $ 28,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 25,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 188,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 109,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 187,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 213,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Home Owners Mortgage Equity Co 801 15TH STREET WEST BILLINGS, MT 59102 |
* | $ 10,000,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 206,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 115,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 120,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 195,000 |
The tables below break down 2010 mortgage applications in Richland 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 Richland County, MT in 2010
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 | 187 | $27,309,000 | $146,000 | $1,692,000 | $83,000 | $1,240,000 |
| Home Purchase | 175 | $21,616,000 | $123,000 | $270,000 | $57,000 | $408,000 |
| Home Improvement | 31 | $1,262,000 | $40,000 | $199,000 | $71,000 | $254,000 |
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 | 312 | $38,712,000 | $124,000 | $1,692,000 | $83,000 | $1,240,000 |
| Not applicable | 56 | $8,540,000 | $152,000 | $1,456,000 | $7,000 | $79,000 |
| Hispanic | 11 | $1,148,000 | $104,000 | $195,000 | $55,000 | $142,000 |
| Not Provided | 10 | $1,194,000 | $119,000 | $240,000 | $64,000 | $144,000 |
| American Indian or Alaskan Native | 2 | $258,000 | $129,000 | $171,000 | $29,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $171,000 | $171,000 | $171,000 | $134,000 | $134,000 |
| Black or African American | 1 | $164,000 | $164,000 | $164,000 | $104,000 | $104,000 |
| Asian | 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) | 212 | $27,441,000 | $129,000 | $1,692,000 | $85,000 | $1,240,000 |
| FHA-insured (Federal Housing Administration) | 147 | $18,705,000 | $127,000 | $266,000 | $56,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,613,000 | $108,000 | $187,000 | $42,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,428,000 | $142,000 | $206,000 | $39,000 | $102,000 |
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 | 222 | $28,875,000 | $130,000 | $1,692,000 | $83,000 | $1,240,000 |
| Loan Purchased By The Institution | 103 | $12,985,000 | $126,000 | $294,000 | $35,000 | $238,000 |
| Application Denied By Financial Institution | 38 | $5,303,000 | $139,000 | $1,564,000 | $93,000 | $1,240,000 |
| Application Approved But Not Accepted | 13 | $1,071,000 | $82,000 | $192,000 | $75,000 | $152,000 |
| Application Withdrawn By Applicant | 12 | $1,365,000 | $113,000 | $225,000 | $62,000 | $99,000 |
| File Closed For Incompleteness | 5 | $588,000 | $117,000 | $195,000 | $88,000 | $144,000 |
| 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 | $601,000 | $85,000 | $171,000 | $37,000 | $82,000 |
| Credit History | 5 | $382,000 | $76,000 | $120,000 | $57,000 | $100,000 |
| Debt-To-Income Ratio | 4 | $366,000 | $91,000 | $225,000 | $42,000 | $76,000 |
| Other | 3 | $243,000 | $81,000 | $150,000 | $82,000 | $99,000 |
| Employment History | 2 | $375,000 | $187,000 | $195,000 | $51,000 | $57,000 |
| Unverifiable Information | 1 | $204,000 | $204,000 | $204,000 | $192,000 | $192,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $80,000 | $80,000 |
| 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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