Major Mortgage Mortgage Lending & HMDA Data, 2005

In 2005, Major Mortgage of Cheyenne, WY reported 3,307 mortgage applications totaling $445.8 million, down 60% from 2004. The average application was for $134,813, and applicants reported an average income of $71,368. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (706), Grand Junction, CO (230) and Spokane, WA (193) (applications in parentheses).

Mortgage Company & Address Major Mortgage
6101 Yellowstone Road, Ll17
Cheyenne, WY 82009
Tel #: available with data download
Federal Regulator * available with data download
Years 2005  2004  2003  
Total Number of Mortgage Applications 3,307
Total Mortgage Loan Application Amount $445,829,000
Average Mortgage Loan Application Amount $134,813
Highest Mortgage Loan Application Amount $3,500,000
Average Applicant Income $71,368
Highest Applicant Income $1,650,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Major Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Major Mortgage by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 664 $ 112,863,000 $ 169,974 $ 94,000
Mesa, Colorado 230 $ 32,855,000 $ 142,847 $ 48,000
Spokane, Washington 193 $ 23,572,000 $ 122,134 $ 48,000
Natrona, Wyoming 166 $ 16,554,000 $ 99,722 $ 48,000
Clark, Nevada 131 $ 21,674,000 $ 165,450 $ 96,000
Benton, Washington 115 $ 12,657,000 $ 110,060 $ 55,000
Oklahoma, Oklahoma 102 $ 8,195,000 $ 80,343 $ 57,000
Bexar, Texas 97 $ 8,991,000 $ 92,690 $ 62,000
Laramie, Wyoming 87 $ 10,347,000 $ 118,931 $ 62,000
Grant, Washington 79 $ 8,324,000 $ 105,367 $ 46,000
Smith, Texas 77 $ 8,119,000 $ 105,441 $ 53,000
Campbell, Wyoming 69 $ 6,906,000 $ 100,086 $ 52,000
Uinta, Wyoming 69 $ 4,924,000 $ 71,362 $ 45,000
Franklin, Washington 68 $ 6,533,000 $ 96,073 $ 44,000
Navajo, Arizona 59 $ 8,284,000 $ 140,406 $ 77,000
Washoe, Nevada 48 $ 9,334,000 $ 194,458 $ 56,000
Pierce, Washington 48 $ 8,485,000 $ 176,770 $ 59,000
Pinal, Arizona 42 $ 4,674,000 $ 111,285 $ 75,000
Yavapai, Arizona 42 $ 6,467,000 $ 153,976 $ 60,000
Sarpy, Nebraska 36 $ 5,493,000 $ 152,583 $ 77,000
Montrose, Colorado 34 $ 4,899,000 $ 144,088 $ 53,000
Snohomish, Washington 34 $ 5,358,000 $ 157,588 $ 52,000
Hall, Nebraska 33 $ 2,618,000 $ 79,333 $ 38,000
Los Angeles, California 32 $ 10,125,000 $ 316,406 $ 139,000
Douglas, Nebraska 26 $ 4,057,000 $ 156,038 $ 73,000
Dawson, Nebraska 24 $ 1,582,000 $ 65,916 $ 37,000
Lincoln, Wyoming 24 $ 2,950,000 $ 122,916 $ 41,000
Adams, Nebraska 21 $ 1,793,000 $ 85,380 $ 50,000
Cleveland, Oklahoma 21 $ 1,988,000 $ 94,666 $ 47,000
Moffat, Colorado 20 $ 2,544,000 $ 127,200 $ 56,000
Chelan, Washington 20 $ 2,440,000 $ 122,000 $ 57,000
Canadian, Oklahoma 19 $ 2,463,000 $ 129,631 $ 46,000
El Paso, Texas 18 $ 2,723,000 $ 151,277 $ 120,000
Sweetwater, Wyoming 18 $ 1,658,000 $ 92,111 $ 58,000
San Diego, California 17 $ 3,332,000 $ 196,000 $ 96,000
Garfield, Colorado 15 $ 2,234,000 $ 148,933 $ 85,000
Utah, Utah 14 $ 3,235,000 $ 231,071 $ 178,000
Carbon, Wyoming 14 $ 1,310,000 $ 93,571 $ 63,000
Converse, Wyoming 14 $ 1,503,000 $ 107,357 $ 58,000
San Juan, New Mexico 13 $ 1,449,000 $ 111,461 $ 50,000
Scurry, Texas 13 $ 667,000 $ 51,307 $ 44,000
Stevens, Washington 13 $ 1,610,000 $ 123,846 $ 38,000
Delta, Colorado 12 $ 1,263,000 $ 105,250 $ 31,000
Apache, Arizona 11 $ 1,673,000 $ 152,090 $ 93,000
Guadalupe, Texas 11 $ 1,131,000 $ 102,818 $ 56,000
Washington, Utah 10 $ 1,342,000 $ 134,200 $ 62,000
Clark, Washington 10 $ 869,000 $ 86,900 $ 108,000
Mohave, Arizona 9 $ 1,391,000 $ 154,555 $ 247,000
Kootenai, Idaho 9 $ 1,085,000 $ 120,555 $ 60,000
Henderson, Texas 9 $ 987,000 $ 109,666 $ 44,000
Salt Lake, Utah 9 $ 840,000 $ 93,333 $ 95,000
Washakie, Wyoming 9 $ 314,000 $ 34,888 $ 28,000
Douglas, Washington 8 $ 795,000 $ 99,375 $ 36,000
Pima, Arizona 7 $ 1,091,000 $ 155,857 $ 55,000
Riverside, California 7 $ 2,439,000 $ 348,428 $ 171,000
San Bernardino, California 7 $ 975,000 $ 139,285 $ 161,000
Collin, Texas 7 $ 709,000 $ 101,285 $ 60,000
Travis, Texas 7 $ 735,000 $ 105,000 $ 53,000
Colfax, Nebraska 6 $ 416,000 $ 69,333 $ 33,000
Lyon, Nevada 6 $ 749,000 $ 124,833 $ 83,000
Dona Ana, New Mexico 6 $ 485,000 $ 80,833 $ 62,000
Umatilla, Oregon 6 $ 576,000 $ 96,000 $ 56,000
Van Zandt, Texas 6 $ 1,441,000 $ 240,166 $ 74,000
Williamson, Texas 6 $ 928,000 $ 154,666 $ 92,000
Adams, Washington 6 $ 561,000 $ 93,500 $ 42,000
King, Washington 6 $ 1,219,000 $ 203,166 $ 66,000
Kittitas, Washington 6 $ 876,000 $ 146,000 $ 60,000
Lincoln, Washington 6 $ 512,000 $ 85,333 $ 35,000
Skagit, Washington 6 $ 894,000 $ 149,000 $ 61,000
Crook, Wyoming 6 $ 884,000 $ 147,333 $ 54,000
Platte, Nebraska 5 $ 377,000 $ 75,400 $ 43,000
Anderson, Texas 5 $ 461,000 $ 92,200 $ 42,000
Coconino, Arizona 4 $ 665,000 $ 166,250 $ 348,000
Gila, Arizona 4 $ 469,000 $ 117,250 $ 68,000
Alameda, California 4 $ 604,000 $ 151,000 $ 120,000
Rio Blanco, Colorado 4 $ 378,000 $ 94,500 $ 44,000
Cass, Nebraska 4 $ 633,000 $ 158,250 $ 50,000
Grady, Oklahoma 4 $ 426,000 $ 106,500 $ 58,000
Logan, Oklahoma 4 $ 539,000 $ 134,750 $ 79,000
Dallas, Texas 4 $ 647,000 $ 161,750 $ 55,000
Jim Wells, Texas 4 $ 299,000 $ 74,750 $ 91,000
Tarrant, Texas 4 $ 3,858,000 $ 964,500 $ 469,000
Thurston, Washington 4 $ 618,000 $ 154,500 $ 62,000
Whitman, Washington 4 $ 599,000 $ 149,750 $ 52,000
Yuma, Arizona 3 $ 690,000 $ 230,000 $ 65,000
Boone, Nebraska 3 $ 159,000 $ 53,000 $ 36,000
Cuming, Nebraska 3 $ 220,000 $ 73,333 $ 43,000
Madison, Nebraska 3 $ 260,000 $ 86,666 $ 47,000
Bernalillo, New Mexico 3 $ 404,000 $ 134,666 $ 47,000
Payne, Oklahoma 3 $ 176,000 $ 58,666 $ 68,000
Frio, Texas 3 $ 244,000 $ 81,333 $ 36,000
Gregg, Texas 3 $ 221,000 $ 73,666 $ 37,000
Harrison, Texas 3 $ 250,000 $ 83,333 $ 35,000
Medina, Texas 3 $ 309,000 $ 103,000 $ 41,000
Weber, Utah 3 $ 346,000 $ 115,333 $ 95,000
Johnson, Wyoming 3 $ 412,000 $ 137,333 $ 41,000
Orange, California 2 $ 805,000 $ 402,500 $ 114,000
Grand, Colorado 2 $ 240,000 $ 120,000 $ 53,000
San Miguel, Colorado 2 $ 496,000 $ 248,000 $ 19,000
Twin Falls, Idaho 2 $ 163,000 $ 81,500 $ 114,000
Pottawattamie, Iowa 2 $ 216,000 $ 108,000 $ 54,000
Fillmore, Nebraska 2 $ 204,000 $ 102,000 $ 56,000
Hamilton, Nebraska 2 $ 158,000 $ 79,000 $ 31,000
Lancaster, Nebraska 2 $ 239,000 $ 119,500 $ 40,000
Merrick, Nebraska 2 $ 111,000 $ 55,500 $ 42,000
Webster, Nebraska 2 $ 114,000 $ 57,000 $ 57,000
Carson City, Nevada 2 $ 373,000 $ 186,500 $ 91,000
Nye, Nevada 2 $ 434,000 $ 217,000 $ 81,000
Santa Fe, New Mexico 2 $ 457,000 $ 228,500 $ 69,000
McClain, Oklahoma 2 $ 232,000 $ 116,000 $ 64,000
Washington, Oregon 2 $ 358,000 $ 179,000 $ 59,000
Cherokee, Texas 2 $ 245,000 $ 122,500 $ 69,000
Comal, Texas 2 $ 151,000 $ 75,500 $ 41,000
Hays, Texas 2 $ 161,000 $ 80,500 $ 33,000
Nueces, Texas 2 $ 231,000 $ 115,500 $ 40,000
Panola, Texas 2 $ 299,000 $ 149,500 $ 65,000
Rockwall, Texas 2 $ 149,000 $ 74,500 $ 58,000
Wood, Texas 2 $ 184,000 $ 92,000 $ 31,000
Davis, Utah 2 $ 434,000 $ 217,000 $ 91,000
Whatcom, Washington 2 $ 306,000 $ 153,000 $ 93,000
Yakima, Washington 2 $ 106,000 $ 53,000 $ 56,000
Albany, Wyoming 2 $ 151,000 $ 75,500 $ 116,000
Fresno, California 1 $ 192,000 $ 192,000 $ 68,000
Kern, California 1 $ 73,000 $ 73,000 $ 51,000
Sacramento, California 1 $ 206,000 $ 206,000 $ 72,000
Sonoma, California 1 $ 510,000 $ 510,000 $ 118,000
Tehama, California 1 $ 200,000 $ 200,000 $ 125,000
Adams, Colorado 1 $ 260,000 $ 260,000 $ 80,000
Arapahoe, Colorado 1 $ 182,000 $ 182,000 $ 60,000
Chaffee, Colorado 1 $ 135,000 $ 135,000 $ 39,000
El Paso, Colorado 1 $ 131,000 $ 131,000 $ 107,000
Elbert, Colorado 1 $ 330,000 $ 330,000 $ 132,000
Fremont, Colorado 1 $ 96,000 $ 96,000 $ 33,000
Gunnison, Colorado 1 $ 173,000 $ 173,000 $ 46,000
Logan, Colorado 1 $ 107,000 $ 107,000 $ 32,000
Pueblo, Colorado 1 $ 126,000 $ 126,000 $ 78,000
Rio Grande, Colorado 1 $ 150,000 $ 150,000 $ 65,000
Yuma, Colorado 1 $ 157,000 $ 157,000 $ 65,000
Bonneville, Idaho 1 $ 142,000 $ 142,000 $ 0
Dallas, Iowa 1 $ 171,000 $ 171,000 $ 114,000
Fayette, Kentucky 1 $ 28,000 $ 28,000 $ 120,000
Hennepin, Minnesota 1 $ 96,000 $ 96,000 $ 95,000
St. Louis, Missouri 1 $ 80,000 $ 80,000 $ 61,000
Lincoln, Montana 1 $ 232,000 $ 232,000 $ 86,000
Missoula, Montana 1 $ 132,000 $ 132,000 $ 84,000
Buffalo, Nebraska 1 $ 56,000 $ 56,000 $ 24,000
Butler, Nebraska 1 $ 251,000 $ 251,000 $ 90,000
Clay, Nebraska 1 $ 43,000 $ 43,000 $ 46,000
Custer, Nebraska 1 $ 45,000 $ 45,000 $ 28,000
Polk, Nebraska 1 $ 35,000 $ 35,000 $ 22,000
Lincoln, Nevada 1 $ 153,000 $ 153,000 $ 95,000
Pershing, Nevada 1 $ 119,000 $ 119,000 $ 69,000
Mora, New Mexico 1 $ 260,000 $ 260,000 $ 64,000
Sandoval, New Mexico 1 $ 100,000 $ 100,000 $ 70,000
Hamilton, Ohio 1 $ 96,000 $ 96,000 $ 59,000
Comanche, Oklahoma 1 $ 105,000 $ 105,000 $ 57,000
Garfield, Oklahoma 1 $ 74,000 $ 74,000 $ 60,000
Tulsa, Oklahoma 1 $ 155,000 $ 155,000 $ 65,000
Lane, Oregon 1 $ 194,000 $ 194,000 $ 53,000
Malheur, Oregon 1 $ 174,000 $ 174,000 $ 109,000
Morrow, Oregon 1 $ 93,000 $ 93,000 $ 34,000
Angelina, Texas 1 $ 50,000 $ 50,000 $ 23,000
Calhoun, Texas 1 $ 83,000 $ 83,000 $ 48,000
Cameron, Texas 1 $ 49,000 $ 49,000 $ 54,000
Comanche, Texas 1 $ 150,000 $ 150,000 $ 50,000
Delta, Texas 1 $ 108,000 $ 108,000 $ 41,000
Denton, Texas 1 $ 520,000 $ 520,000 $ 140,000
Galveston, Texas 1 $ 84,000 $ 84,000 $ 120,000
Hidalgo, Texas 1 $ 160,000 $ 160,000 $ 89,000
Hopkins, Texas 1 $ 144,000 $ 144,000 $ 64,000
Kerr, Texas 1 $ 247,000 $ 247,000 $ 119,000
Kleberg, Texas 1 $ 105,000 $ 105,000 $ 40,000
Navarro, Texas 1 $ 118,000 $ 118,000 $ 43,000
Palo Pinto, Texas 1 $ 40,000 $ 40,000 $ 22,000
Randall, Texas 1 $ 174,000 $ 174,000 $ 0
Uvalde, Texas 1 $ 73,000 $ 73,000 $ 69,000
Webb, Texas 1 $ 144,000 $ 144,000 $ 74,000
Wilson, Texas 1 $ 81,000 $ 81,000 $ 50,000
Iron, Utah 1 $ 98,000 $ 98,000 $ 46,000
Kane, Utah 1 $ 107,000 $ 107,000 $ 50,000
Sevier, Utah 1 $ 58,000 $ 58,000 $ 0
Summit, Utah 1 $ 88,000 $ 88,000 $ 0
Grays Harbor, Washington 1 $ 78,000 $ 78,000 $ 58,000
Island, Washington 1 $ 114,000 $ 114,000 $ 34,000
Kitsap, Washington 1 $ 300,000 $ 300,000 $ 0
Okanogan, Washington 1 $ 65,000 $ 65,000 $ 51,000
Fremont, Wyoming 1 $ 110,000 $ 110,000 $ 36,000
Park, Wyoming 1 $ 200,000 $ 200,000 $ 78,000
Sheridan, Wyoming 1 $ 105,000 $ 105,000 $ 52,000
Weston, Wyoming 1 $ 64,000 $ 64,000 $ 53,000

Mortgage Loan Application Detail Totals for Major Mortgage in 2005

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 2,351 $289,028,000 $130,066 $1,488,000 $74,600 $1,188,000
Refinancing 945 $155,044,000 $145,111 $3,500,000 $72,388 $1,650,000
Home Improvement 11 $1,757,000 $144,142 $360,000 $71,285 $120,000

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 2,715 $376,204,000 $129,263 $3,500,000 $76,315 $1,650,000
Hispanic 423 $47,637,000 $118,000 $700,000 $52,272 $420,000
Black or African American 64 $7,671,000 $128,625 $344,000 $76,375 $840,000
Asian 56 $8,461,000 $160,555 $468,000 $149,666 $480,000
Not Provided 25 $3,500,000 $121,333 $324,000 $51,888 $1,107,000
American Indian or Alaskan Native 13 $1,383,000 $115,833 $201,000 $37,666 $149,000
Native Hawaiian or Other Pacific Islander 11 $973,000 $84,800 $239,000 $74,400 $108,000
Not applicable 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) 2,379 $336,618,000 $127,578 $3,500,000 $82,421 $1,650,000
FHA-insured (Federal Housing Administration) 771 $85,630,000 $118,153 $325,000 $48,230 $235,000
VA-guaranteed (Veterans Administration) 157 $23,581,000 $142,800 $273,000 $48,300 $171,000
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 2,758 $378,303,000 $128,473 $3,500,000 $74,210 $1,650,000
Application Withdrawn By Applicant 375 $45,759,000 $136,153 $960,000 $73,230 $1,176,000
Application Denied By Financial Institution 116 $12,832,000 $115,000 $410,000 $48,800 $319,000
Application Approved But Not Accepted 42 $6,371,000 $145,500 $536,000 $165,375 $720,000
File Closed For Incompleteness 16 $2,564,000 $115,333 $975,000 $48,333 $246,000
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 33 $3,130,000 $150,428 $374,000 $51,428 $90,000
Debt-To-Income Ratio 22 $2,271,000 $111,800 $200,000 $41,200 $83,000
Collateral 15 $2,048,000 $140,000 $410,000 $64,250 $300,000
Other 10 $1,494,000 $167,600 $261,000 $87,400 $319,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,125,000 $179,800 $362,000 $80,800 $138,000
Unverifiable Information 3 $280,000 $117,500 $190,000 $51,500 $85,000
Employment History 3 $361,000 $103,500 $200,000 $31,500 $58,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Major Mortgage's 2005 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 Major Mortgage'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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