Hot Springs County, WY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 198 mortgage applications in Hot Springs County, WY totaling $25.2 million, down 14% from 2009. The average application was for $127,000, and applicants reported an average income of $55,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Pinnacle Bank - Wyoming, with 48 applications, followed by Bank of America, N.A. and First Interstate 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 | 198 |
| Total Mortgage Loan Application Amount | $25,154,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $299,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $239,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 534,496,000 | 48 | $ 5,737,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 34 | $ 4,785,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,113,169,000 | 18 | $ 1,628,000 |
| Central Bank and Trust 285 MAIN STREET LANDER, WY 82520 |
* | $ 157,348,000 | 18 | $ 2,197,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 11 | $ 1,336,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 7 | $ 835,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 581,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 5 | $ 664,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 839,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 499,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 3 | $ 493,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 215,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 214,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 2 | $ 295,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ 133,964,000 | 2 | $ 266,000 |
| Hilltop National Bank POBOX 2680 CASPER, WY 82609 |
* | $ 460,472,000 | 2 | $ 250,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 129,000 |
| Bank of Bridger, N.A. PO BOX 447, 101 SOUTH MAIN STREET BRIDGER, MT 59014 |
* | $ 259,931,000 | 2 | $ 109,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 65,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 190,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 120,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 151,000 |
| Platte Valley Bank SCOTTSBLUFF, NE 69361 |
* | $ 187,899,000 | 1 | $ 128,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 299,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 250,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Main Street Financial 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 1 | $ 150,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 195,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Eagle Home Mortgage, LLC 301 116TH AVENUE SE #400 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 299,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 151,000 |
The tables below break down 2010 mortgage applications in Hot Springs 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 Hot Springs County, WY in 2010
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 | 120 | $15,781,000 | $131,000 | $299,000 | $53,000 | $173,000 |
| Home Purchase | 69 | $8,815,000 | $127,000 | $265,000 | $57,000 | $239,000 |
| Home Improvement | 9 | $558,000 | $62,000 | $275,000 | $56,000 | $97,000 |
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 | 169 | $21,281,000 | $125,000 | $299,000 | $59,000 | $239,000 |
| Not applicable | 14 | $1,907,000 | $136,000 | $282,000 | $0 | $0 |
| Not Provided | 11 | $1,565,000 | $142,000 | $275,000 | $53,000 | $100,000 |
| American Indian or Alaskan Native | 2 | $90,000 | $45,000 | $70,000 | $40,000 | $57,000 |
| Hispanic | 2 | $311,000 | $155,000 | $166,000 | $61,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 146 | $18,013,000 | $123,000 | $299,000 | $57,000 | $239,000 |
| FHA-insured (Federal Housing Administration) | 36 | $5,057,000 | $140,000 | $275,000 | $50,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,274,000 | $127,000 | $170,000 | $43,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $810,000 | $135,000 | $180,000 | $41,000 | $53,000 |
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 | 114 | $14,169,000 | $124,000 | $299,000 | $62,000 | $239,000 |
| Loan Purchased By The Institution | 38 | $5,513,000 | $145,000 | $299,000 | $49,000 | $98,000 |
| Application Denied By Financial Institution | 30 | $3,399,000 | $113,000 | $259,000 | $46,000 | $126,000 |
| Application Withdrawn By Applicant | 6 | $578,000 | $96,000 | $166,000 | $26,000 | $72,000 |
| File Closed For Incompleteness | 5 | $835,000 | $167,000 | $250,000 | $37,000 | $98,000 |
| Application Approved But Not Accepted | 5 | $660,000 | $132,000 | $275,000 | $36,000 | $71,000 |
| 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 | 6 | $1,016,000 | $169,000 | $230,000 | $81,000 | $126,000 |
| Credit History | 3 | $213,000 | $71,000 | $112,000 | $44,000 | $62,000 |
| Debt-To-Income Ratio | 2 | $355,000 | $177,000 | $195,000 | $18,000 | $37,000 |
| Credit Application Incomplete | 2 | $125,000 | $62,000 | $65,000 | $52,000 | $67,000 |
| Other | 2 | $182,000 | $91,000 | $132,000 | $70,000 | $100,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $6,000 | $6,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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