In 2018, lenders reported 548 mortgage applications in Carbon County, WY totaling $86.3 million, down 8% from 2017. The average application was for $157,000, and applicants reported an average income of $84,000. 57% of applications resulted in an originated loan and 14% were denied. The most active lender was Lennar Mortgage, LLC, with 63 applications, followed by Meridian Trust Federal Credit Union and Wallick and Volk, Inc..
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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 | 548 |
| Total Mortgage Loan Application Amount | $86,310,000 |
| Average Mortgage Loan Application Amount | $157,000 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $1,134,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 63 | $ 11,065,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 373,432,000 | 43 | $ 3,375,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ -1,000 | 40 | $ 6,510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 40 | $ 6,140,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 29 | $ 5,065,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 25 | $ 3,725,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 12,151,833,000 | 23 | $ 2,335,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 20 | $ 3,040,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 13 | $ 2,155,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 2,310,000 |
| Peak Financial LLC 1780 S BELLAIRE ST STE 780 DENVER, CO 80222 |
* | $ -1,000 | 10 | $ 1,050,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 10 | $ 1,390,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,125,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 9 | $ 1,035,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,545,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 8 | $ 1,390,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 790,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ -1,000 | 8 | $ 1,330,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 6 | $ 850,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 6 | $ 910,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 6 | $ 990,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 5 | $ 835,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ 313,654,000 | 5 | $ 855,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 4 | $ 750,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 180,000 |
| Blue Federal Credit Union PO BOX 3200 CHEYENNE, WY 82001 |
* | $ 964,109,000 | 4 | $ 780,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 940,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 3 | $ 655,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 3 | $ 925,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 65,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 625,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 395,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 585,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 335,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 480,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 680,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 480,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 350,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 660,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 2 | $ 370,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 210,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 320,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 235,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 205,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 953,120,000 | 1 | $ 185,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ -1,000 | 1 | $ 215,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 1 | $ 295,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 205,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 3,690,879,000 | 1 | $ 245,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 115,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 55,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ 2,627,659,000 | 1 | $ 245,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 245,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 175,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 75,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 15,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 225,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ -1,000 | 1 | $ 195,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 235,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 215,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 435,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 265,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 255,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 7,093,314,000 | 1 | $ 555,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 1 | $ 105,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 662,086,000 | 1 | $ 225,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 235,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ 1,423,898,000 | 1 | $ 95,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 215,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 255,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,364,710,000 | 1 | $ 105,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 1 | $ 255,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 125,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 491,903,000 | 1 | $ 145,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,154,899,000 | 1 | $ 1,405,000 |
The tables below break down 2018 mortgage applications in Carbon County, WY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 313 | $55,765,000 | $178,000 | $1,405,000 | $82,000 | $483,000 |
| Cash-out Refinancing | 132 | $18,050,000 | $136,000 | $305,000 | $76,000 | $237,000 |
| Refinancing | 71 | $9,405,000 | $132,000 | $455,000 | $77,000 | $272,000 |
| Other Purpose | 13 | $1,285,000 | $98,000 | $225,000 | $144,000 | $780,000 |
| Home Improvement | 11 | $905,000 | $82,000 | $185,000 | $195,000 | $1,134,000 |
| Not Applicable | 8 | $900,000 | $112,000 | $255,000 | $0 | $0 |
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 | 379 | $58,015,000 | $153,000 | $455,000 | $87,000 | $1,134,000 |
| Not applicable | 57 | $11,435,000 | $200,000 | $1,405,000 | $40,000 | $43,000 |
| Not Provided | 52 | $8,190,000 | $157,000 | $435,000 | $79,000 | $324,000 |
| Hispanic | 52 | $7,600,000 | $146,000 | $415,000 | $78,000 | $241,000 |
| Black or African American | 3 | $575,000 | $191,000 | $225,000 | $56,000 | $77,000 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $125,000 | $43,000 | $61,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $114,000 | $114,000 |
| 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) | 272 | $40,320,000 | $148,000 | $1,405,000 | $98,000 | $1,134,000 |
| FHA-insured (Federal Housing Administration) | 153 | $24,565,000 | $160,000 | $415,000 | $65,000 | $228,000 |
| VA-guaranteed (Veterans Administration) | 72 | $14,260,000 | $198,000 | $455,000 | $86,000 | $346,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $7,165,000 | $140,000 | $255,000 | $49,000 | $93,000 |
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 | 310 | $49,360,000 | $159,000 | $1,405,000 | $84,000 | $483,000 |
| Application Denied By Financial Institution | 76 | $10,930,000 | $143,000 | $415,000 | $86,000 | $1,134,000 |
| Application Withdrawn By Applicant | 73 | $10,765,000 | $147,000 | $455,000 | $84,000 | $780,000 |
| Loan Purchased By The Institution | 70 | $12,490,000 | $178,000 | $435,000 | $84,000 | $228,000 |
| File Closed For Incompleteness | 17 | $2,375,000 | $139,000 | $385,000 | $83,000 | $180,000 |
| Application Approved But Not Accepted | 2 | $390,000 | $195,000 | $255,000 | $84,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 438 | $72,700,000 | $165,000 | $1,405,000 | $82,000 | $780,000 |
| Debt-To-Income Ratio | 60 | $6,250,000 | $104,000 | $415,000 | $84,000 | $237,000 |
| Collateral | 16 | $2,610,000 | $163,000 | $305,000 | $79,000 | $146,000 |
| Credit History | 12 | $1,000,000 | $83,000 | $185,000 | $159,000 | $1,134,000 |
| Credit Application Incomplete | 8 | $1,660,000 | $207,000 | $345,000 | $92,000 | $244,000 |
| Other | 8 | $1,350,000 | $168,000 | $275,000 | $85,000 | $241,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $345,000 | $115,000 | $155,000 | $69,000 | $139,000 |
| Unverifiable Information | 2 | $320,000 | $160,000 | $265,000 | $154,000 | $212,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $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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