Stillwater County, MT Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 623 mortgage applications in Stillwater County, MT totaling $96.8 million, down 13% from 2007. The average application was for $155,000, and applicants reported an average income of $84,000. 48% of applications resulted in an originated loan and 17% were denied. The most active lender was Countrywide Bank FSB, with 63 applications, followed by Altana Federal Credit Union and United Bank, 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 | 623 |
| Total Mortgage Loan Application Amount | $96,782,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $866,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $1,092,000 |
* 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 |
|---|---|---|---|---|
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 63 | $ 10,680,000 |
| Altana Federal Credit Union 3212 CENTRAL AVENUE BILLINGS, MT 59102 |
* | $ 125,715,000 | 51 | $ 5,427,000 |
| United Bank, N.A. PO BOX 480 ABSAROKEE, MT 59001 |
* | $ 77,985,000 | 44 | $ 6,796,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 43 | $ 7,038,000 |
| Western Security Bank 2812 1ST AVE NORTH BILLINGS, MT 59101 |
* | $ 508,533,000 | 27 | $ 5,062,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 26 | $ 4,881,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 24 | $ 3,795,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 23 | $ 4,208,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 23 | $ 3,164,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 1,472,725,000 | 23 | $ 4,522,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,087,506,000 | 19 | $ 2,398,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 3,340,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 18 | $ 3,084,000 |
| Valley Financial Credit Union PO BOX 20417 BILLINGS, MT 59102 |
* | $ 125,893,000 | 18 | $ 863,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 17 | $ 2,877,000 |
| Wells Fargo Fin'l Montana, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 16 | $ 1,837,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,886,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 9 | $ 1,304,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 1,258,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 7 | $ 1,101,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 959,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 6 | $ 854,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 6 | $ 861,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 5 | $ 822,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 534,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 5 | $ 984,000 |
| Summit Credit Union 1111 24TH STREET WEST BILLINGS, MT 59102 |
* | $ 65,848,000 | 5 | $ 271,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 786,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 427,437,000 | 4 | $ 560,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 4 | $ 596,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 4 | $ 1,113,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 458,000 |
| Universal Lending Corporation 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 3 | $ 405,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 570,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 3 | $ 489,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 669,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 195,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 2 | $ 401,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 490,000 |
| Little Horn State Bank PO BOX 530 HARDIN, MT 59034 |
* | $ 69,999,000 | 2 | $ 405,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 2 | $ 232,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 2 | $ 253,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 2 | $ 370,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 236,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 328,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 2 | $ 466,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 2 | $ 468,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 425,915,000 | 1 | $ 181,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 11,744,356,000 | 1 | $ 200,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 399,805,000 | 1 | $ 85,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 15,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 157,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 6,000 |
| Mountain West Bank, N.A. 1225 CEDAR STREET / PO BOX 6013 HELENA, MT 59604 |
* | $ 682,822,000 | 1 | $ 56,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 140,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 245,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 194,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 962,672,000 | 1 | $ 187,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 46,000 |
| Coast 2 Coast Funding Group, Inc 1 ORCHARD ROAD, SUITE 235 LAKER FOREST, CA 92630 |
* | $ 750,000 | 1 | $ 325,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 212,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 29,000 |
| Home Owners Mortgage Equity Co 801 15TH STREET WEST BILLINGS, MT 59102 |
* | $ 10,000,000 | 1 | $ 207,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 308,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Hughes Federal Credit Uniion 971 W WETMORE RD TUCSON, AZ 85705 |
* | $ 391,199,000 | 1 | $ 34,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 314,000 |
| Streeter Brothers Mortgage Cor 2823 6TH AVENUE NORTH BILLINGS, MT 59101 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Bank of Internet USA 12777 HIGH BLUFF DRIVE, SUITE 100 SAN DIEGO, CA 92130 |
* | $ 1,039,880,000 | 1 | $ 113,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 1 | $ 212,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 258,853,000 | 1 | $ 22,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 275,851,000 | 1 | $ 163,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 10,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 296,000 |
| Prime Financial Credit Union 5656 S PACKARD AVE CUDAHY, WI 53110 |
* | $ 200,916,000 | 1 | $ 44,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 31,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 114,000 |
The tables below break down 2008 mortgage applications in Stillwater 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 Stillwater 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 |
|---|---|---|---|---|---|---|
| Refinancing | 359 | $61,002,000 | $169,000 | $676,000 | $85,000 | $928,000 |
| Home Purchase | 199 | $31,033,000 | $155,000 | $866,000 | $83,000 | $527,000 |
| Home Improvement | 65 | $4,747,000 | $73,000 | $279,000 | $86,000 | $1,092,000 |
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 | 518 | $79,447,000 | $153,000 | $866,000 | $85,000 | $1,092,000 |
| Not applicable | 56 | $9,918,000 | $177,000 | $676,000 | $88,000 | $394,000 |
| Not Provided | 37 | $5,809,000 | $157,000 | $292,000 | $77,000 | $300,000 |
| Hispanic | 6 | $859,000 | $143,000 | $173,000 | $87,000 | $108,000 |
| American Indian or Alaskan Native | 5 | $597,000 | $119,000 | $193,000 | $49,000 | $60,000 |
| Black or African American | 1 | $152,000 | $152,000 | $152,000 | $60,000 | $60,000 |
| Asian | 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) | 471 | $72,578,000 | $154,000 | $866,000 | $90,000 | $1,092,000 |
| FHA-insured (Federal Housing Administration) | 136 | $21,214,000 | $155,000 | $275,000 | $67,000 | $246,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,456,000 | $204,000 | $264,000 | $77,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $534,000 | $133,000 | $186,000 | $40,000 | $52,000 |
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 | 300 | $46,840,000 | $156,000 | $866,000 | $92,000 | $1,092,000 |
| Loan Purchased By The Institution | 114 | $20,079,000 | $176,000 | $417,000 | $71,000 | $394,000 |
| Application Denied By Financial Institution | 105 | $14,167,000 | $134,000 | $359,000 | $80,000 | $928,000 |
| Application Withdrawn By Applicant | 70 | $10,098,000 | $144,000 | $417,000 | $76,000 | $270,000 |
| Application Approved But Not Accepted | 20 | $3,533,000 | $176,000 | $325,000 | $84,000 | $165,000 |
| File Closed For Incompleteness | 13 | $1,822,000 | $140,000 | $412,000 | $102,000 | $336,000 |
| Preapproval Denied by Financial Institution | 1 | $243,000 | $243,000 | $243,000 | $101,000 | $101,000 |
| Preapproval Approved but not Accepted | 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 | 29 | $3,742,000 | $129,000 | $335,000 | $105,000 | $928,000 |
| Debt-To-Income Ratio | 13 | $2,049,000 | $157,000 | $359,000 | $62,000 | $118,000 |
| Credit History | 9 | $1,114,000 | $123,000 | $235,000 | $90,000 | $212,000 |
| Other | 5 | $572,000 | $114,000 | $215,000 | $68,000 | $85,000 |
| Unverifiable Information | 2 | $268,000 | $134,000 | $195,000 | $32,000 | $42,000 |
| Credit Application Incomplete | 2 | $425,000 | $212,000 | $285,000 | $108,000 | $119,000 |
| Employment History | 2 | $340,000 | $170,000 | $245,000 | $51,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $58,000 | $58,000 | $58,000 | $63,000 | $63,000 |
| 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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