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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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WYOMING BANK & TRUST
Mortgage Loans and Application Details
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| Mortgage Company Name |
WYOMING BANK & TRUST |
| Address | 5827 YELLOWSTONE RD.
CHEYENNE, WY 82009 |
| Agency | Federal Deposit Insurance Corporation (FDIC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 210 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $28,241,000 |
| Average Mortgage Loan Amount Applied For | $149,285 |
| Highest Mortgage Loan Amount Applied For | $417,000 |
| Average Applicant Income | $100,428 |
| Highest Applicant Income | $365,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
166 | $21,361,000 |
$128,000 | $417,000 |
$75,000 | $362,000 |
| Refinancing |
44 | $6,880,000 |
$156,000 | $396,000 |
$80,000 | $365,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
14 | $1,455,000 |
$103,000 | $189,000 |
$55,000 | $93,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
7 | $575,000 |
$82,000 | $170,000 |
$90,000 | $168,000 |
| White |
189 | $26,211,000 |
$138,000 | $417,000 |
$77,000 | $365,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
191 | $24,469,000 |
$128,000 | $417,000 |
$76,000 | $365,000 |
| FHA-insured (Federal Housing Administration) |
8 | $1,186,000 |
$148,000 | $189,000 |
$63,000 | $84,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
11 | $2,586,000 |
$235,000 | $390,000 |
$81,000 | $179,000 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
2 | $441,000 |
$220,000 | $260,000 |
$48,000 | $53,000 |
| Application Withdrawn By Applicant |
15 | $2,285,000 |
$152,000 | $295,000 |
$64,000 | $114,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
193 | $25,515,000 |
$132,000 | $417,000 |
$77,000 | $365,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
1 | $181,000 |
$181,000 | $181,000 |
$53,000 | $53,000 |
| Debt-To-Income Ratio |
1 | $260,000 |
$260,000 | $260,000 |
$44,000 | $44,000 |
| 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 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for WYOMING BANK & TRUST by:
Metropolitan Area And
County
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