Tri-County Bank Mortgage Lending & HMDA Data, 2007
In 2007, Tri-County Bank of Cheyenne, WY reported 172 mortgage applications totaling $24.5 million. The average application was for $142,424, and applicants reported an average income of $74,156. 94% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cheyenne, WY (165), Denver-Aurora, CO (1) and Idaho Falls, ID (1) (applications in parentheses).
| Mortgage Company & Address | Tri-County Bank 3310 N. College Dr. Cheyenne, WY 82001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 |
| Total Number of Mortgage Applications | 172 |
| Total Mortgage Loan Application Amount | $24,497,000 |
| Average Mortgage Loan Application Amount | $142,424 |
| Highest Mortgage Loan Application Amount | $378,000 |
| Average Applicant Income | $74,156 |
| Highest Applicant Income | $242,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri-County Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Laramie, Wyoming | 165 | $ 23,563,000 | $ 142,806 | $ 74,000 |
| Albany, Wyoming | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Yavapai, Arizona | 1 | $ 70,000 | $ 70,000 | $ 81,000 |
| Denver, Colorado | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Bonneville, Idaho | 1 | $ 58,000 | $ 58,000 | $ 93,000 |
| Buffalo, Nebraska | 1 | $ 148,000 | $ 148,000 | $ 76,000 |
| Carbon, Wyoming | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Tri-County Bank in 2007
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 | 127 | $17,325,000 | $136,000 | $360,000 | $65,000 | $242,000 |
| Refinancing | 45 | $7,172,000 | $159,000 | $378,000 | $100,000 | $242,000 |
| Home Improvement | 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 | 149 | $21,935,000 | $147,000 | $378,000 | $68,000 | $180,000 |
| Not Provided | 10 | $1,000,000 | $100,000 | $251,000 | $188,000 | $242,000 |
| Hispanic | 10 | $1,313,000 | $131,000 | $237,000 | $62,000 | $156,000 |
| Not applicable | 2 | $85,000 | $42,000 | $43,000 | $0 | $0 |
| Black or African American | 1 | $164,000 | $164,000 | $164,000 | $65,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 138 | $18,960,000 | $137,000 | $378,000 | $78,000 | $242,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,849,000 | $174,000 | $262,000 | $62,000 | $105,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,688,000 | $140,000 | $180,000 | $46,000 | $91,000 |
| 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 | 161 | $22,282,000 | $138,000 | $378,000 | $75,000 | $242,000 |
| Application Withdrawn By Applicant | 7 | $1,328,000 | $189,000 | $284,000 | $65,000 | $179,000 |
| Application Denied By Financial Institution | 4 | $887,000 | $221,000 | $360,000 | $63,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $367,000 | $183,000 | $237,000 | $40,000 | $44,000 |
| Debt-To-Income Ratio | 1 | $160,000 | $160,000 | $160,000 | $64,000 | $64,000 |
| Collateral | 1 | $360,000 | $360,000 | $360,000 | $109,000 | $109,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri-County Bank's 2007 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 Tri-County 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.
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