Central Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Central Bank & Trust of Lander, WY reported 69 mortgage applications totaling $19.1 million, up 116% from 2024. The average application was for $277,028, and applicants reported an average income of $115,840. 87% of its applications resulted in an originated loan and 3% were denied. Its largest market was Cheyenne, WY (27).
| Mortgage Company & Address | Central Bank & Trust 285 Main Street Lander, WY 82520 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 69 |
| Total Mortgage Loan Application Amount | $19,115,000 |
| Average Mortgage Loan Application Amount | $277,028 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $115,840 |
| Highest Applicant Income | $481,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Central Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 42 | $ 8,350,000 | $ 198,809 | $ 112,000 |
| Cheyenne, WY | 27 | $ 10,765,000 | $ 398,703 | $ 190,000 |
Mortgage Loan Application Detail Totals for Central Bank & Trust in 2025
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 | 41 | $12,495,000 | $304,000 | $865,000 | $126,000 | $481,000 |
| Refinancing | 23 | $5,775,000 | $251,000 | $1,585,000 | $99,000 | $282,000 |
| Home Improvement | 4 | $350,000 | $87,000 | $245,000 | $62,000 | $68,000 |
| Cash-out Refinancing | 1 | $495,000 | $495,000 | $495,000 | $302,000 | $302,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 36 | $10,080,000 | $280,000 | $865,000 | $0 | $0 |
| White | 30 | $8,710,000 | $290,000 | $1,585,000 | $127,000 | $481,000 |
| Asian | 2 | $320,000 | $160,000 | $245,000 | $88,000 | $139,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $56,000 | $56,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 66 | $18,560,000 | $281,000 | $1,585,000 | $129,000 | $481,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $555,000 | $185,000 | $225,000 | $59,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 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 | 60 | $17,500,000 | $291,000 | $1,585,000 | $135,000 | $481,000 |
| Application Withdrawn By Applicant | 5 | $1,155,000 | $231,000 | $375,000 | $112,000 | $150,000 |
| File Closed For Incompleteness | 2 | $320,000 | $160,000 | $255,000 | $74,000 | $100,000 |
| Application Denied By Financial Institution | 2 | $140,000 | $70,000 | $135,000 | $67,000 | $79,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 69 | $19,115,000 | $277,000 | $1,585,000 | $122,000 | $481,000 |
| Employment History | 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Central Bank & Trust's 2025 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 Central Bank & Trust'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.
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