Bank of Jackson Hole Mortgage Lending & HMDA Data, 2021
In 2021, Bank of Jackson Hole of Jackson, WY reported 470 mortgage applications totaling $311.7 million. The average application was for $663,234, and applicants reported an average income of $268,019. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Boise City, ID (50), Los Angeles-Long Beach-Glendale, CA (8) and Tulsa, OK (5) (applications in parentheses).
| Mortgage Company & Address | Bank of Jackson Hole 990 W Broadway Jackson, WY 83001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 |
| Total Number of Mortgage Applications | 470 |
| Total Mortgage Loan Application Amount | $311,720,000 |
| Average Mortgage Loan Application Amount | $663,234 |
| Highest Mortgage Loan Application Amount | $12,755,000 |
| Average Applicant Income | $268,019 |
| Highest Applicant Income | $6,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of Jackson Hole filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Teton, Wyoming | 202 | $ 196,550,000 | $ 973,019 | $ 345,000 |
| Teton, Idaho | 51 | $ 22,015,000 | $ 431,666 | $ 175,000 |
| Ada, Idaho | 42 | $ 15,170,000 | $ 361,190 | $ 142,000 |
| Lincoln, Wyoming | 39 | $ 15,755,000 | $ 403,974 | $ 154,000 |
| Sublette, Wyoming | 27 | $ 5,415,000 | $ 200,555 | $ 132,000 |
| Fremont, Wyoming | 9 | $ 2,465,000 | $ 273,888 | $ 150,000 |
| Los Angeles, California | 8 | $ 4,400,000 | $ 550,000 | $ 320,000 |
| Canyon, Idaho | 8 | $ 1,790,000 | $ 223,750 | $ 94,000 |
| Tulsa, Oklahoma | 5 | $ 2,815,000 | $ 563,000 | $ 296,000 |
| Maricopa, Arizona | 4 | $ 7,000,000 | $ 1,750,000 | $ 277,000 |
| Bonneville, Idaho | 4 | $ 11,660,000 | $ 2,915,000 | $ 2,580,000 |
| Gallatin, Montana | 4 | $ 1,680,000 | $ 420,000 | $ 368,000 |
| Charleston, South Carolina | 4 | $ 800,000 | $ 200,000 | $ 100,000 |
| Washington, Utah | 3 | $ 805,000 | $ 268,333 | $ 153,000 |
| Clarke, Virginia | 3 | $ 815,000 | $ 271,666 | $ 277,000 |
| Pima, Arizona | 2 | $ 620,000 | $ 310,000 | $ 270,000 |
| Nevada, California | 2 | $ 640,000 | $ 320,000 | $ 353,000 |
| Riverside, California | 2 | $ 930,000 | $ 465,000 | $ 246,000 |
| Ventura, California | 2 | $ 370,000 | $ 185,000 | $ 325,000 |
| Seminole, Florida | 2 | $ 540,000 | $ 270,000 | $ 78,000 |
| Valley, Idaho | 2 | $ 410,000 | $ 205,000 | $ 52,000 |
| Cook, Illinois | 2 | $ 1,220,000 | $ 610,000 | $ 544,000 |
| Montgomery, Maryland | 2 | $ 530,000 | $ 265,000 | $ 94,000 |
| Clark, Nevada | 2 | $ 1,020,000 | $ 510,000 | $ 280,000 |
| King, Washington | 2 | $ 1,300,000 | $ 650,000 | $ 200,000 |
| Jefferson, Alabama | 1 | $ 125,000 | $ 125,000 | $ 122,000 |
| Yavapai, Arizona | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Kern, California | 1 | $ 335,000 | $ 335,000 | $ 313,000 |
| Marin, California | 1 | $ 495,000 | $ 495,000 | $ 635,000 |
| Monterey, California | 1 | $ 405,000 | $ 405,000 | $ 164,000 |
| Napa, California | 1 | $ 1,005,000 | $ 1,005,000 | $ 300,000 |
| Santa Barbara, California | 1 | $ 625,000 | $ 625,000 | $ 174,000 |
| Brevard, Florida | 1 | $ 195,000 | $ 195,000 | $ 130,000 |
| Broward, Florida | 1 | $ 325,000 | $ 325,000 | $ 112,000 |
| Okaloosa, Florida | 1 | $ 545,000 | $ 545,000 | $ 458,000 |
| Blaine, Idaho | 1 | $ 325,000 | $ 325,000 | $ 147,000 |
| Fremont, Idaho | 1 | $ 515,000 | $ 515,000 | $ 91,000 |
| Payette, Idaho | 1 | $ 355,000 | $ 355,000 | $ 72,000 |
| Johnson, Kansas | 1 | $ 295,000 | $ 295,000 | $ 119,000 |
| Hopkins, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 313,000 |
| Baltimore, Maryland | 1 | $ 385,000 | $ 385,000 | $ 266,000 |
| Franklin, Missouri | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| St. Charles, Missouri | 1 | $ 345,000 | $ 345,000 | $ 165,000 |
| Lewis and Clark, Montana | 1 | $ 275,000 | $ 275,000 | $ 202,000 |
| Ravalli, Montana | 1 | $ 545,000 | $ 545,000 | $ 170,000 |
| Grafton, New Hampshire | 1 | $ 245,000 | $ 245,000 | $ 213,000 |
| Hillsborough, New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 82,000 |
| New York, New York | 1 | $ 705,000 | $ 705,000 | $ 33,000 |
| Dare, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 458,000 |
| Multnomah, Oregon | 1 | $ 545,000 | $ 545,000 | $ 316,000 |
| Washington, Oregon | 1 | $ 505,000 | $ 505,000 | $ 364,000 |
| Montgomery, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 694,000 |
| Greenville, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 79,000 |
| Dallas, Texas | 1 | $ 65,000 | $ 65,000 | $ 323,000 |
| Montgomery, Texas | 1 | $ 1,075,000 | $ 1,075,000 | $ 720,000 |
| Davis, Utah | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Salt Lake, Utah | 1 | $ 415,000 | $ 415,000 | $ 542,000 |
| Fairfax, Virginia | 1 | $ 825,000 | $ 825,000 | $ 197,000 |
| Kittitas, Washington | 1 | $ 485,000 | $ 485,000 | $ 317,000 |
| Goshen, Wyoming | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Natrona, Wyoming | 1 | $ 485,000 | $ 485,000 | $ 128,000 |
| Sweetwater, Wyoming | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Bank of Jackson Hole in 2021
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 | 205 | $102,585,000 | $500,000 | $5,705,000 | $224,000 | $2,106,000 |
| Home Purchase | 159 | $167,995,000 | $1,056,000 | $12,755,000 | $384,000 | $6,600,000 |
| Cash-out Refinancing | 102 | $40,330,000 | $395,000 | $1,655,000 | $172,000 | $1,244,000 |
| Home Improvement | 3 | $755,000 | $251,000 | $605,000 | $411,000 | $890,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $216,000 | $216,000 |
| 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 | 316 | $195,230,000 | $617,000 | $12,755,000 | $282,000 | $6,600,000 |
| Not Provided | 109 | $48,995,000 | $449,000 | $2,355,000 | $218,000 | $1,009,000 |
| Not applicable | 35 | $63,385,000 | $1,811,000 | $9,755,000 | $0 | $0 |
| Hispanic | 7 | $2,565,000 | $366,000 | $655,000 | $215,000 | $382,000 |
| Asian | 2 | $910,000 | $455,000 | $505,000 | $98,000 | $118,000 |
| Black or African American | 1 | $635,000 | $635,000 | $635,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 466 | $309,880,000 | $664,000 | $12,755,000 | $265,000 | $6,600,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,840,000 | $460,000 | $555,000 | $143,000 | $235,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 416 | $279,150,000 | $671,000 | $12,755,000 | $258,000 | $6,600,000 |
| Application Withdrawn By Applicant | 35 | $26,585,000 | $759,000 | $3,085,000 | $411,000 | $4,706,000 |
| Application Denied By Financial Institution | 19 | $5,985,000 | $315,000 | $795,000 | $119,000 | $343,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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 | 451 | $305,735,000 | $677,000 | $12,755,000 | $270,000 | $6,600,000 |
| Debt-To-Income Ratio | 10 | $3,630,000 | $363,000 | $795,000 | $154,000 | $343,000 |
| Other | 5 | $1,255,000 | $251,000 | $605,000 | $86,000 | $100,000 |
| Employment History | 2 | $860,000 | $430,000 | $695,000 | $102,000 | $164,000 |
| Collateral | 1 | $135,000 | $135,000 | $135,000 | $49,000 | $49,000 |
| Credit History | 1 | $105,000 | $105,000 | $105,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of Jackson Hole's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank of Jackson Hole's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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