Crook County, WY Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 462 mortgage applications in Crook County, WY totaling $76.2 million, up 20% from 2008. The average application was for $164,000, and applicants reported an average income of $73,000. 42% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank, NA, with 110 applications, followed by First Interstate Bank and Pinnacle Bank - Wyoming.

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Total Number of Mortgage Applications 462
Total Mortgage Loan Application Amount $76,175,000
Average Mortgage Loan Application Amount $164,000
Highest Mortgage Loan Application Amount $588,000
Average Applicant Income $73,000
Highest Applicant Income $606,000
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Top Mortgage Lenders in Crook County, WY (2009)

Ranked by the number of mortgage applications each lender reported in Crook County, WY in 2009.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Wells Fargo Bank, NA
Des Moines, IA
110 $17,926,000 $162,000 $75,000
2 First Interstate Bank
Billings, MT
33 $4,534,000 $137,000 $86,000
3 Pinnacle Bank - Wyoming
Cody, WY
33 $2,359,000 $71,000 $75,000
4 Bank of America, N.A.
Calabasas, CA
30 $5,809,000 $193,000 $86,000
5 JPMorgan Chase Bank, NA
Columbus, OH
24 $4,820,000 $200,000 $49,000
6 New Day Financial, Llc.
West Palm Beach, FL
16 $3,079,000 $192,000 $85,000
7 Citimortgage, Inc
New York, NY
15 $3,057,000 $203,000 $121,000
8 Wells Fargo Funding, Inc
Winston-Salem, NC
13 $2,390,000 $183,000 $71,000
9 Ally Bank F/K/A/ Gmac Bank
Ft. Washington, PA
12 $2,372,000 $197,000 $61,000
10 Bank of Colorado
Fort Collins, CO
9 $2,189,000 $243,000 $77,000

See every lender active in Crook County, WY in 2009 »

The tables below break down 2009 mortgage applications in Crook 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 Crook County, WY in 2009

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 343 $60,054,000 $175,000 $588,000 $72,000 $459,000
Home Purchase 83 $13,224,000 $159,000 $550,000 $71,000 $606,000
Home Improvement 36 $2,897,000 $80,000 $230,000 $82,000 $355,000

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 372 $60,663,000 $163,000 $588,000 $75,000 $606,000
Not applicable 42 $6,840,000 $162,000 $308,000 $45,000 $459,000
Not Provided 37 $6,691,000 $180,000 $410,000 $83,000 $214,000
Hispanic 7 $1,298,000 $185,000 $241,000 $73,000 $97,000
American Indian or Alaskan Native 2 $281,000 $140,000 $154,000 $93,000 $97,000
Asian 2 $402,000 $201,000 $210,000 $95,000 $103,000
Black or African American 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) 309 $47,022,000 $152,000 $588,000 $80,000 $606,000
FHA-insured (Federal Housing Administration) 124 $22,834,000 $184,000 $279,000 $61,000 $175,000
VA-guaranteed (Veterans Administration) 18 $4,331,000 $240,000 $350,000 $64,000 $133,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,988,000 $180,000 $235,000 $17,000 $60,000

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 195 $31,376,000 $160,000 $550,000 $82,000 $606,000
Loan Purchased By The Institution 99 $17,632,000 $178,000 $332,000 $58,000 $459,000
Application Denied By Financial Institution 84 $13,937,000 $165,000 $588,000 $75,000 $324,000
Application Withdrawn By Applicant 57 $9,923,000 $174,000 $319,000 $67,000 $170,000
Application Approved But Not Accepted 20 $2,052,000 $102,000 $310,000 $71,000 $108,000
File Closed For Incompleteness 7 $1,255,000 $179,000 $232,000 $72,000 $117,000
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 22 $4,185,000 $190,000 $324,000 $79,000 $146,000
Debt-To-Income Ratio 13 $2,084,000 $160,000 $417,000 $56,000 $103,000
Credit History 8 $1,348,000 $168,000 $246,000 $74,000 $103,000
Other 7 $1,058,000 $151,000 $403,000 $97,000 $324,000
Credit Application Incomplete 2 $338,000 $169,000 $263,000 $60,000 $73,000
Unverifiable Information 1 $25,000 $25,000 $25,000 $46,000 $46,000
Mortgage Insurance Denied 1 $227,000 $227,000 $227,000 $60,000 $60,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 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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