Richland County, MT Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 515 mortgage applications in Richland County, MT totaling $64.0 million, up 31% from 2010. The average application was for $124,000, and applicants reported an average income of $73,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Stockman Bank of Montana, with 170 applications, followed by Wells Fargo Bank NA and PHH Mortgage Corporation.
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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 | 515 |
| Total Mortgage Loan Application Amount | $63,998,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $1,206,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $825,000 |
| 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 |
* | $ 2,009,048,000 | 170 | $ 22,233,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 65 | $ 8,557,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 64 | $ 9,176,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 47 | $ 2,727,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 37 | $ 3,786,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 24 | $ 3,299,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 19 | $ 2,703,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 13 | $ 1,922,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 7 | $ 544,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 7 | $ 1,003,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 5 | $ 289,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 4 | $ 444,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 4 | $ 699,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,473,004,000 | 4 | $ 515,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 4 | $ 520,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 655,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 978,893,000 | 3 | $ 488,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 372,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 244,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 189,478,000 | 2 | $ 107,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 16,343,046,000 | 2 | $ 263,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 410,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 428,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 166,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 54,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 114,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 101,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 100,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 200,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 1,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 554,688,000 | 1 | $ 96,000 |
The tables below break down 2011 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 2011
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 | 300 | $36,704,000 | $122,000 | $375,000 | $74,000 | $825,000 |
| Refinancing | 176 | $24,842,000 | $141,000 | $1,206,000 | $68,000 | $649,000 |
| Home Improvement | 39 | $2,452,000 | $62,000 | $300,000 | $86,000 | $267,000 |
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 | 395 | $45,875,000 | $116,000 | $412,000 | $87,000 | $825,000 |
| Not applicable | 76 | $13,329,000 | $175,000 | $1,206,000 | $3,000 | $106,000 |
| Not Provided | 28 | $2,852,000 | $101,000 | $325,000 | $71,000 | $157,000 |
| Hispanic | 11 | $1,469,000 | $133,000 | $286,000 | $71,000 | $130,000 |
| American Indian or Alaskan Native | 4 | $445,000 | $111,000 | $192,000 | $48,000 | $81,000 |
| Asian | 1 | $28,000 | $28,000 | $28,000 | $24,000 | $24,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 383 | $45,808,000 | $119,000 | $1,206,000 | $81,000 | $825,000 |
| FHA-insured (Federal Housing Administration) | 73 | $9,768,000 | $133,000 | $274,000 | $52,000 | $344,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $5,277,000 | $135,000 | $193,000 | $49,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,145,000 | $157,000 | $325,000 | $51,000 | $137,000 |
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 | 266 | $34,628,000 | $130,000 | $1,206,000 | $83,000 | $649,000 |
| Loan Purchased By The Institution | 112 | $16,527,000 | $147,000 | $299,000 | $28,000 | $370,000 |
| Application Denied By Financial Institution | 85 | $7,364,000 | $86,000 | $299,000 | $66,000 | $387,000 |
| Application Approved But Not Accepted | 28 | $2,486,000 | $88,000 | $375,000 | $187,000 | $825,000 |
| Application Withdrawn By Applicant | 17 | $2,326,000 | $136,000 | $325,000 | $68,000 | $167,000 |
| File Closed For Incompleteness | 7 | $667,000 | $95,000 | $180,000 | $42,000 | $80,000 |
| 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 | 24 | $1,363,000 | $56,000 | $170,000 | $69,000 | $200,000 |
| Debt-To-Income Ratio | 11 | $1,371,000 | $124,000 | $204,000 | $39,000 | $99,000 |
| Collateral | 10 | $919,000 | $91,000 | $170,000 | $63,000 | $167,000 |
| Other | 10 | $1,047,000 | $104,000 | $299,000 | $85,000 | $134,000 |
| Employment History | 8 | $472,000 | $59,000 | $77,000 | $49,000 | $76,000 |
| Credit Application Incomplete | 4 | $273,000 | $68,000 | $91,000 | $47,000 | $80,000 |
| Unverifiable Information | 2 | $153,000 | $76,000 | $100,000 | $34,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $290,000 | $208,000 | $387,000 |
| 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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