Tri County Bank A Pvc Mortgage Lending & HMDA Data, 2009
In 2009, Tri County Bank A Pvc of Cheyenne, WY reported 106 mortgage applications totaling $16.9 million, up 47% from 2008. The average application was for $159,066, and applicants reported an average income of $67,433. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cheyenne, WY (92) and Fort Collins-Loveland, CO (1).
| Mortgage Company & Address | Tri County Bank A Pvc 3310 N. College Drive Cheyenne, WY 82001 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 106 |
| Total Mortgage Loan Application Amount | $16,861,000 |
| Average Mortgage Loan Application Amount | $159,066 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $67,433 |
| Highest Applicant Income | $367,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tri County Bank A Pvc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 92 | $ 14,155,000 | $ 153,858 | $ 73,000 |
| Campbell, Wyoming | 6 | $ 1,680,000 | $ 280,000 | $ 0 |
| Carbon, Wyoming | 6 | $ 694,000 | $ 115,666 | $ 54,000 |
| Larimer, Colorado | 1 | $ 243,000 | $ 243,000 | $ 59,000 |
| Albany, Wyoming | 1 | $ 89,000 | $ 89,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Tri County Bank A Pvc 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 | 57 | $10,202,000 | $178,000 | $650,000 | $72,000 | $367,000 |
| Home Purchase | 47 | $6,639,000 | $141,000 | $342,000 | $62,000 | $116,000 |
| Home Improvement | 2 | $20,000 | $10,000 | $15,000 | $65,000 | $77,000 |
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 | 79 | $12,303,000 | $155,000 | $650,000 | $75,000 | $367,000 |
| Hispanic | 14 | $2,127,000 | $151,000 | $335,000 | $73,000 | $132,000 |
| Not applicable | 9 | $2,000,000 | $222,000 | $280,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $431,000 | $107,000 | $164,000 | $61,000 | $97,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 64 | $9,881,000 | $154,000 | $650,000 | $74,000 | $367,000 |
| FHA-insured (Federal Housing Administration) | 30 | $4,939,000 | $164,000 | $276,000 | $57,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,041,000 | $170,000 | $243,000 | $60,000 | $101,000 |
| 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 | 87 | $13,831,000 | $158,000 | $650,000 | $65,000 | $367,000 |
| Application Withdrawn By Applicant | 10 | $1,983,000 | $198,000 | $450,000 | $82,000 | $148,000 |
| Application Denied By Financial Institution | 8 | $967,000 | $120,000 | $228,000 | $83,000 | $195,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $52,000 | $52,000 |
| 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 | 4 | $494,000 | $123,000 | $228,000 | $89,000 | $138,000 |
| Collateral | 2 | $245,000 | $122,000 | $150,000 | $112,000 | $195,000 |
| Credit Application Incomplete | 1 | $88,000 | $88,000 | $88,000 | $46,000 | $46,000 |
| Credit History | 1 | $140,000 | $140,000 | $140,000 | $40,000 | $40,000 |
| 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 |
| 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 A Pvc'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 Tri County Bank A Pvc'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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