Buffalo Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Buffalo Federal Savings Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Buffalo Federal Savings Bank P.O. Box 1020, 106 Fort Street Buffalo, WY 82834 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 694 |
| Total Mortgage Loan Application Amount | $161,307,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $80,333 |
| Highest Applicant Income | $1,572,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Buffalo Federal Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Buffalo Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Buffalo Federal Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Buffalo Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Buffalo Federal Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Buffalo Federal Savings Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Natrona County Wyoming | 73 | $ 10,634,000 | $ 145,000 | $ 74,000 |
| King County Washington | 62 | $ 24,448,000 | $ 394,000 | $ 127,000 |
| Campbell County Wyoming | 62 | $ 8,885,000 | $ 143,000 | $ 108,000 |
| Pierce County Washington | 54 | $ 11,357,000 | $ 210,000 | $ 67,000 |
| Johnson County Wyoming | 48 | $ 7,055,000 | $ 146,000 | $ 61,000 |
| Clackamas County Oregon | 47 | $ 20,317,000 | $ 432,000 | $ 124,000 |
| Sheridan County Wyoming | 37 | $ 6,073,000 | $ 164,000 | $ 61,000 |
| Multnomah County Oregon | 35 | $ 9,704,000 | $ 277,000 | $ 100,000 |
| Uinta County Wyoming | 30 | $ 5,032,000 | $ 167,000 | $ 61,000 |
| Snohomish County Washington | 28 | $ 8,439,000 | $ 301,000 | $ 90,000 |
| Lincoln County Wyoming | 22 | $ 3,739,000 | $ 169,000 | $ 60,000 |
| Skagit County Washington | 21 | $ 5,003,000 | $ 238,000 | $ 65,000 |
| Sweetwater County Wyoming | 20 | $ 4,933,000 | $ 246,000 | $ 86,000 |
| Laramie County Wyoming | 19 | $ 3,583,000 | $ 188,000 | $ 64,000 |
| Washington County Oregon | 12 | $ 3,548,000 | $ 295,000 | $ 111,000 |
| Arapahoe County Colorado | 7 | $ 1,645,000 | $ 235,000 | $ 96,000 |
| Columbia County Oregon | 5 | $ 2,722,000 | $ 544,000 | $ 187,000 |
| Adams County Colorado | 4 | $ 968,000 | $ 242,000 | $ 111,000 |
| Marion County Oregon | 4 | $ 923,000 | $ 230,000 | $ 58,000 |
| Grant County Washington | 4 | $ 591,000 | $ 147,000 | $ 81,000 |
| Thurston County Washington | 4 | $ 804,000 | $ 201,000 | $ 79,000 |
| Whatcom County Washington | 4 | $ 1,199,000 | $ 299,000 | $ 72,000 |
| Yakima County Washington | 4 | $ 1,010,000 | $ 252,000 | $ 72,000 |
| Los Angeles County California | 3 | $ 1,301,000 | $ 433,000 | $ 111,000 |
| Converse County Wyoming | 3 | $ 508,000 | $ 169,000 | $ 85,000 |
| Maricopa County Arizona | 2 | $ 1,103,000 | $ 551,000 | $ 266,000 |
| Orange County California | 2 | $ 573,000 | $ 286,000 | $ 93,000 |
| Denver County Colorado | 2 | $ 293,000 | $ 146,000 | $ 54,000 |
| Honolulu County Hawaii | 2 | $ 694,000 | $ 347,000 | $ 75,000 |
| Clark County Nevada | 2 | $ 280,000 | $ 140,000 | $ 63,000 |
| Jackson County Oregon | 2 | $ 752,000 | $ 376,000 | $ 155,000 |
| Dallas County Texas | 2 | $ 200,000 | $ 100,000 | $ 93,000 |
| San Patricio County Texas | 2 | $ 207,000 | $ 103,000 | $ 41,000 |
| Cowlitz County Washington | 2 | $ 362,000 | $ 181,000 | $ 42,000 |
| Island County Washington | 2 | $ 480,000 | $ 240,000 | $ 109,000 |
| Kittitas County Washington | 2 | $ 389,000 | $ 194,000 | $ 88,000 |
| Spokane County Washington | 2 | $ 511,000 | $ 255,000 | $ 92,000 |
| Marathon County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 43,000 |
| Albany County Wyoming | 2 | $ 391,000 | $ 195,000 | $ 89,000 |
| Big Horn County Wyoming | 2 | $ 191,000 | $ 95,000 | $ 37,000 |
| Crook County Wyoming | 2 | $ 231,000 | $ 115,000 | $ 52,000 |
| Fremont County Wyoming | 2 | $ 434,000 | $ 217,000 | $ 178,000 |
| Park County Wyoming | 2 | $ 353,000 | $ 176,000 | $ 55,000 |
| Matanuska-Susitna County Alaska | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Fresno County California | 1 | $ 99,000 | $ 99,000 | $ 30,000 |
| Ventura County California | 1 | $ 406,000 | $ 406,000 | $ 99,000 |
| Boulder County Colorado | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Douglas County Colorado | 1 | $ 304,000 | $ 304,000 | $ 119,000 |
| Garfield County Colorado | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Jefferson County Colorado | 1 | $ 254,000 | $ 254,000 | $ 51,000 |
| Weld County Colorado | 1 | $ 133,000 | $ 133,000 | $ 60,000 |
| Gadsden County Florida | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Hawaii County Hawaii | 1 | $ 260,000 | $ 260,000 | $ 70,000 |
| Canyon County Idaho | 1 | $ 127,000 | $ 127,000 | $ 60,000 |
| Franklin County Idaho | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Lincoln County Idaho | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Cook County Illinois | 1 | $ 328,000 | $ 328,000 | $ 75,000 |
| St. Clair County Illinois | 1 | $ 86,000 | $ 86,000 | $ 22,000 |
| Livingston County Louisiana | 1 | $ 181,000 | $ 181,000 | $ 74,000 |
| Anne Arundel County Maryland | 1 | $ 294,000 | $ 294,000 | $ 63,000 |
| Montgomery County Maryland | 1 | $ 211,000 | $ 211,000 | $ 68,000 |
| Gallatin County Montana | 1 | $ 182,000 | $ 182,000 | $ 38,000 |
| Burke County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 116,000 |
| Tulsa County Oklahoma | 1 | $ 101,000 | $ 101,000 | $ 23,000 |
| Clatsop County Oregon | 1 | $ 190,000 | $ 190,000 | $ 71,000 |
| Harney County Oregon | 1 | $ 126,000 | $ 126,000 | $ 56,000 |
| Hood River County Oregon | 1 | $ 1,000,000 | $ 1,000,000 | $ 132,000 |
| Klamath County Oregon | 1 | $ 193,000 | $ 193,000 | $ 35,000 |
| Lane County Oregon | 1 | $ 178,000 | $ 178,000 | $ 58,000 |
| Umatilla County Oregon | 1 | $ 179,000 | $ 179,000 | $ 52,000 |
| Delaware County Pennsylvania | 1 | $ 278,000 | $ 278,000 | $ 75,000 |
| Butte County South Dakota | 1 | $ 17,000 | $ 17,000 | $ 65,000 |
| Bell County Texas | 1 | $ 188,000 | $ 188,000 | $ 60,000 |
| Comal County Texas | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Fort Bend County Texas | 1 | $ 212,000 | $ 212,000 | $ 113,000 |
| Williamson County Texas | 1 | $ 107,000 | $ 107,000 | $ 58,000 |
| Rich County Utah | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Salt Lake County Utah | 1 | $ 109,000 | $ 109,000 | $ 40,000 |
| Washington County Utah | 1 | $ 200,000 | $ 200,000 | $ 43,000 |
| Loudoun County Virginia | 1 | $ 179,000 | $ 179,000 | $ 24,000 |
| Norfolk County Virginia | 1 | $ 118,000 | $ 118,000 | $ 85,000 |
| Clark County Washington | 1 | $ 272,000 | $ 272,000 | $ 82,000 |
| Kitsap County Washington | 1 | $ 219,000 | $ 219,000 | $ 91,000 |
| Barbour County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 60,000 |
| Putnam County West Virginia | 1 | $ 220,000 | $ 220,000 | $ 56,000 |
| Winnebago County Wisconsin | 1 | $ 227,000 | $ 227,000 | $ 153,000 |
| Hot Springs County Wyoming | 1 | $ 139,000 | $ 139,000 | $ 39,000 |
| Sublette County Wyoming | 1 | $ 233,000 | $ 233,000 | $ 44,000 |
| Weston County Wyoming | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Buffalo Federal Savings Bank 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 | 413 | $110,476,000 | $267,000 | $2,000,000 | $96,000 | $1,572,000 |
| Home Purchase | 248 | $49,244,000 | $198,000 | $956,000 | $70,000 | $495,000 |
| Home Improvement | 33 | $1,587,000 | $48,000 | $250,000 | $75,000 | $147,000 |
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 | 597 | $134,684,000 | $225,000 | $2,000,000 | $87,000 | $1,572,000 |
| Not Provided | 29 | $6,093,000 | $210,000 | $550,000 | $75,000 | $178,000 |
| Hispanic | 28 | $5,960,000 | $212,000 | $599,000 | $70,000 | $200,000 |
| Asian | 16 | $7,811,000 | $488,000 | $1,450,000 | $118,000 | $271,000 |
| Black or African American | 11 | $3,914,000 | $355,000 | $1,060,000 | $81,000 | $209,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,333,000 | $259,000 | $424,000 | $86,000 | $144,000 |
| Not applicable | 2 | $279,000 | $139,000 | $172,000 | $17,000 | $17,000 |
| American Indian or Alaskan Native | 2 | $233,000 | $116,000 | $132,000 | $61,000 | $85,000 |
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) | 375 | $88,740,000 | $236,000 | $2,000,000 | $102,000 | $1,572,000 |
| FHA-insured (Federal Housing Administration) | 235 | $55,098,000 | $234,000 | $619,000 | $70,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 44 | $10,370,000 | $235,000 | $417,000 | $63,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $7,099,000 | $177,000 | $306,000 | $53,000 | $100,000 |
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 | 453 | $87,542,000 | $193,000 | $730,000 | $78,000 | $480,000 |
| File Closed For Incompleteness | 109 | $38,154,000 | $350,000 | $1,800,000 | $111,000 | $1,572,000 |
| Application Withdrawn By Applicant | 68 | $19,155,000 | $281,000 | $2,000,000 | $89,000 | $563,000 |
| Application Denied By Financial Institution | 61 | $16,144,000 | $264,000 | $2,000,000 | $94,000 | $773,000 |
| Application Approved But Not Accepted | 3 | $312,000 | $104,000 | $172,000 | $58,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 25 | $4,249,000 | $169,000 | $417,000 | $55,000 | $131,000 |
| Debt-To-Income Ratio | 13 | $3,609,000 | $277,000 | $1,060,000 | $62,000 | $209,000 |
| Other | 10 | $3,535,000 | $353,000 | $2,000,000 | $119,000 | $700,000 |
| Employment History | 4 | $668,000 | $167,000 | $220,000 | $48,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,948,000 | $487,000 | $1,100,000 | $420,000 | $773,000 |
| Unverifiable Information | 2 | $671,000 | $335,000 | $387,000 | $113,000 | $154,000 |
| Credit Application Incomplete | 2 | $1,220,000 | $610,000 | $620,000 | $117,000 | $170,000 |
| Collateral | 1 | $244,000 | $244,000 | $244,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Buffalo Federal Savings Bank's 2009 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 Buffalo Federal Savings Bank'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.
For a list of all lenders in Wyoming, download the full spreadsheet
with aggregated HMDA statistics today.