Carbon County, WY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 506 mortgage applications in Carbon County, WY totaling $95.2 million, up 10% from 2023. The average application was for $188,000, and applicants reported an average income of $100,000. 50% of applications resulted in an originated loan and 13% were denied. The most active lender was Axia Financial LLC, with 46 applications, followed by Meridian Trust Federal Credit Union and Plains Commerce Bank.
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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 | 506 |
| Total Mortgage Loan Application Amount | $95,160,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $518,000 |
* 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 |
|---|---|---|---|---|
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 46 | $ 8,560,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ n/a | 39 | $ 4,035,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 33 | $ 6,455,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 28 | $ 5,380,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 18 | $ 3,310,000 |
| Rnb State Bank LONGMONT, CO 80501 |
* | $ n/a | 18 | $ 3,160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 17 | $ 4,855,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 15 | $ 3,155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 2,525,000 |
| Uniwyo Federal Credit Union 2020 GRAND AVE LARAMIE, WY 82070 |
* | $ n/a | 13 | $ 2,515,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ n/a | 11 | $ 1,615,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 10 | $ 2,320,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 10 | $ 1,700,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 9 | $ 1,255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 1,830,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 8 | $ 1,590,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 845,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 1,070,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 5 | $ 595,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 945,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 695,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,045,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 545,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 4 | $ 1,280,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 4 | $ 750,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 1,210,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 120,000 |
| Blue Federal Credit Union PO BOX 3200 CHEYENNE, WY 82001 |
* | $ n/a | 4 | $ 740,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 2,010,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ n/a | 4 | $ 990,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 430,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 340,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 650,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 1,295,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 3 | $ 495,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 575,000 |
| Mountain Valley Bank 882 MOUNTAIN AVE SCOTTSBLUFF, NE 69361 |
* | $ n/a | 3 | $ 715,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ n/a | 3 | $ 355,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 325,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 3 | $ 385,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 395,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 250,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 250,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 500,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 470,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ n/a | 2 | $ 450,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 370,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 2 | $ 540,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 360,000 |
| Wyhy Federal Credit Union 1715 STILLWATER AVE CHEYENNE, WY 82009 |
* | $ n/a | 2 | $ 80,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 690,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 510,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 500,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 390,000 |
| Goldenwest Federal Credit Union 5025 ADAMS AVE OGDEN, UT 84403 |
* | $ n/a | 2 | $ 440,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 2 | $ 360,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ n/a | 2 | $ 160,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 1,040,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 2 | $ 530,000 |
| Credit Union of Colorado, A Federal Credit Union 1390 LOGAN STREET DENVER, CO 80217 |
* | $ n/a | 2 | $ 270,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 255,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ n/a | 1 | $ 355,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ n/a | 1 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 175,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 215,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 55,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ n/a | 1 | $ 335,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 85,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ n/a | 1 | $ 535,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 1 | $ 85,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 85,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 915,000 |
| Peak Financial LLC 1780 S BELLAIRE ST STE 780 DENVER, CO 80222 |
* | $ n/a | 1 | $ 255,000 |
| Wyoming Bank & Trust 5827 YELLOWSTONE RD CHEYENNE, WY 82009 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 395,000 |
| Western Vista Federal Credit U 3207 SPARKS ROAD CHEYENNE, WY 82003 |
* | $ n/a | 1 | $ 215,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ n/a | 1 | $ 465,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 225,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 315,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 185,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 125,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 1 | $ 335,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 95,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ n/a | 1 | $ 395,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2024 mortgage applications in Carbon County, WY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Carbon County, WY in 2024
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 | 310 | $62,160,000 | $200,000 | $535,000 | $100,000 | $518,000 |
| Cash-out Refinancing | 69 | $12,965,000 | $187,000 | $505,000 | $95,000 | $237,000 |
| Refinancing | 54 | $13,130,000 | $243,000 | $635,000 | $106,000 | $421,000 |
| Other Purpose | 46 | $4,980,000 | $108,000 | $915,000 | $98,000 | $350,000 |
| Home Improvement | 27 | $1,925,000 | $71,000 | $175,000 | $100,000 | $313,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 312 | $57,440,000 | $184,000 | $915,000 | $98,000 | $518,000 |
| Not applicable | 76 | $14,560,000 | $191,000 | $505,000 | $117,000 | $154,000 |
| Hispanic | 58 | $10,470,000 | $180,000 | $405,000 | $98,000 | $284,000 |
| Not Provided | 47 | $10,475,000 | $222,000 | $535,000 | $119,000 | $317,000 |
| Asian | 5 | $935,000 | $187,000 | $365,000 | $68,000 | $114,000 |
| Black or African American | 4 | $820,000 | $205,000 | $345,000 | $90,000 | $106,000 |
| American Indian or Alaskan Native | 4 | $460,000 | $115,000 | $265,000 | $58,000 | $133,000 |
| 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) | 279 | $48,475,000 | $173,000 | $915,000 | $108,000 | $518,000 |
| FHA-insured (Federal Housing Administration) | 134 | $25,910,000 | $193,000 | $475,000 | $83,000 | $237,000 |
| VA-guaranteed (Veterans Administration) | 66 | $16,050,000 | $243,000 | $635,000 | $97,000 | $317,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,725,000 | $175,000 | $235,000 | $71,000 | $130,000 |
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 | 254 | $46,260,000 | $182,000 | $915,000 | $100,000 | $518,000 |
| Loan Purchased By The Institution | 79 | $15,645,000 | $198,000 | $505,000 | $113,000 | $154,000 |
| Application Withdrawn By Applicant | 76 | $15,860,000 | $208,000 | $725,000 | $119,000 | $445,000 |
| Application Denied By Financial Institution | 67 | $11,285,000 | $168,000 | $515,000 | $75,000 | $261,000 |
| File Closed For Incompleteness | 20 | $3,770,000 | $188,000 | $635,000 | $95,000 | $237,000 |
| Application Approved But Not Accepted | 10 | $2,340,000 | $234,000 | $535,000 | $103,000 | $216,000 |
| 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 | 419 | $80,385,000 | $191,000 | $915,000 | $104,000 | $518,000 |
| Debt-To-Income Ratio | 38 | $6,110,000 | $160,000 | $525,000 | $86,000 | $281,000 |
| Credit Application Incomplete | 14 | $2,750,000 | $196,000 | $515,000 | $91,000 | $195,000 |
| Collateral | 13 | $2,175,000 | $167,000 | $395,000 | $72,000 | $181,000 |
| Credit History | 9 | $775,000 | $86,000 | $175,000 | $68,000 | $151,000 |
| Other | 7 | $1,655,000 | $236,000 | $345,000 | $111,000 | $261,000 |
| Unverifiable Information | 3 | $825,000 | $275,000 | $405,000 | $22,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $195,000 | $82,000 | $125,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $160,000 | $160,000 |
| 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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