Sanders County, MT Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 390 mortgage applications in Sanders County, MT totaling $59.3 million, down 28% from 2010. The average application was for $151,000, and applicants reported an average income of $54,000. 48% of applications resulted in an originated loan and 16% were denied. The most active lender was Rocky Mountain Bank, with 56 applications, followed by Wells Fargo Bank NA and First Security Bank of Missoul.

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Total Number of Mortgage Applications 390
Total Mortgage Loan Application Amount $59,274,000
Average Mortgage Loan Application Amount $151,000
Highest Mortgage Loan Application Amount $783,000
Average Applicant Income $54,000
Highest Applicant Income $545,000

Mortgage Company List for Lending in Sanders County, MT for 2011

* 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
Rocky Mountain Bank
2615 KING AVE WEST
BILLINGS, MT 59102
* $ 417,781,000 56 $ 7,596,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 52 $ 7,155,000
First Security Bank of Missoul
1704 DEARBORN AVE
MISSOULA, MT 59801
* $ 1,005,996,000 51 $ 6,042,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 27 $ 3,691,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,131,561,000 19 $ 3,101,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 18 $ 2,738,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 17 $ 2,533,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 16 $ 2,062,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 10 $ 1,733,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 1,351,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 1,151,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 6 $ 790,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 7,473,004,000 6 $ 889,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 5 $ 901,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 5 $ 988,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 5 $ 920,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 657,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 4 $ 516,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 803,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 3 $ 907,000
Mountain West Bank, N.A.
1225 CEDAR STREET / PO BOX 6013
HELENA, MT 59604
* $ 708,901,000 3 $ 433,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 510,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 487,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 645,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 1,024,000
Mountain West Bank
P O BOX 1059
COEUR D'ALENE, ID 83816
* $ 1,171,496,000 2 $ 504,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 502,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 2 $ 352,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 89,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,432,928,000 1 $ 116,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 131,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 783,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 1 $ 109,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 230,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 350,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 146,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 100,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 258,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 121,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 306,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 136,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 126,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 152,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 237,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 1 $ 68,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 132,000
Idaho Independent Bank
1260 W RIVERSTONE DR
COEUR D ALENE, ID 83814
* $ 441,854,000 1 $ 254,000
Billings Federal Credit Union
2522 4TH AVE N
BILLINGS, MT 59103
* $ 85,842,000 1 $ 215,000
Montana First Credit Union
2330 S RESERVE ST
MISSOULA, MT 59801
* $ 60,072,000 1 $ 40,000
Seattle Metropolitan Credit Union
1521 1ST AVENUE S
SEATTLE, WA 98134
* $ 560,957,000 1 $ 63,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 140,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 2,009,048,000 1 $ 101,000
Panhandle State Bank
414 CHURCH STREET
SANDPOINT, ID 83864
* $ 1,004,400,000 1 $ 99,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 9,501,245,000 1 $ 95,000

The tables below break down 2011 mortgage applications in Sanders 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 Sanders 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
Refinancing 272 $45,834,000 $168,000 $783,000 $52,000 $545,000
Home Purchase 95 $12,407,000 $130,000 $503,000 $59,000 $343,000
Home Improvement 23 $1,033,000 $44,000 $417,000 $56,000 $331,000

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 298 $44,704,000 $150,000 $783,000 $61,000 $545,000
Not applicable 59 $9,392,000 $159,000 $503,000 $6,000 $219,000
Not Provided 27 $4,866,000 $180,000 $417,000 $82,000 $331,000
American Indian or Alaskan Native 4 $244,000 $61,000 $121,000 $48,000 $126,000
Hispanic 2 $68,000 $34,000 $60,000 $36,000 $47,000
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) 320 $48,081,000 $150,000 $783,000 $58,000 $545,000
FHA-insured (Federal Housing Administration) 45 $6,919,000 $153,000 $273,000 $37,000 $129,000
VA-guaranteed (Veterans Administration) 13 $3,056,000 $235,000 $337,000 $39,000 $146,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,218,000 $101,000 $152,000 $26,000 $46,000

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 189 $27,298,000 $144,000 $783,000 $58,000 $343,000
Loan Purchased By The Institution 89 $13,567,000 $152,000 $416,000 $24,000 $229,000
Application Denied By Financial Institution 61 $8,605,000 $141,000 $400,000 $55,000 $450,000
Application Withdrawn By Applicant 24 $4,137,000 $172,000 $417,000 $88,000 $545,000
Application Approved But Not Accepted 15 $2,699,000 $179,000 $334,000 $59,000 $145,000
File Closed For Incompleteness 12 $2,968,000 $247,000 $417,000 $125,000 $331,000
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 19 $2,733,000 $143,000 $400,000 $79,000 $450,000
Debt-To-Income Ratio 9 $1,350,000 $150,000 $350,000 $41,000 $72,000
Credit Application Incomplete 6 $708,000 $118,000 $170,000 $43,000 $79,000
Other 6 $1,176,000 $196,000 $276,000 $69,000 $129,000
Credit History 3 $208,000 $69,000 $89,000 $26,000 $27,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
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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