Tri County Bank A Pvc Mortgage Lending & HMDA Data, 2010
In 2010, Tri County Bank A Pvc of Cheyenne, WY reported 78 mortgage applications totaling $11.2 million, down 26% from 2009. The average application was for $143,769, and applicants reported an average income of $72,371. 81% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Cheyenne, WY (63) and Denver-Aurora-Broomfield, 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 | 78 |
| Total Mortgage Loan Application Amount | $11,214,000 |
| Average Mortgage Loan Application Amount | $143,769 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $72,371 |
| Highest Applicant Income | $490,000 |
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(HMDA) records Tri County Bank A Pvc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 63 | $ 9,353,000 | $ 148,460 | $ 71,000 |
| Carbon, Wyoming | 13 | $ 1,223,000 | $ 94,076 | $ 46,000 |
| Denver, Colorado | 1 | $ 417,000 | $ 417,000 | $ 490,000 |
| Scotts Bluff, Nebraska | 1 | $ 221,000 | $ 221,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Tri County Bank A Pvc in 2010
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 | 45 | $5,950,000 | $132,000 | $417,000 | $71,000 | $490,000 |
| Refinancing | 32 | $5,256,000 | $164,000 | $450,000 | $76,000 | $155,000 |
| Home Improvement | 1 | $8,000 | $8,000 | $8,000 | $18,000 | $18,000 |
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 | 67 | $9,983,000 | $149,000 | $450,000 | $74,000 | $490,000 |
| Hispanic | 9 | $1,113,000 | $123,000 | $231,000 | $74,000 | $155,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $27,000 | $27,000 |
| Not Provided | 1 | $93,000 | $93,000 | $93,000 | $6,000 | $6,000 |
| 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 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) | 49 | $6,714,000 | $137,000 | $450,000 | $84,000 | $490,000 |
| FHA-insured (Federal Housing Administration) | 25 | $3,715,000 | $148,000 | $231,000 | $49,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 4 | $785,000 | $196,000 | $305,000 | $83,000 | $119,000 |
| 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 | 63 | $9,458,000 | $150,000 | $450,000 | $69,000 | $275,000 |
| Application Denied By Financial Institution | 12 | $1,010,000 | $84,000 | $159,000 | $60,000 | $116,000 |
| Application Withdrawn By Applicant | 2 | $611,000 | $305,000 | $417,000 | $272,000 | $490,000 |
| File Closed For Incompleteness | 1 | $135,000 | $135,000 | $135,000 | $39,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $283,000 | $70,000 | $142,000 | $72,000 | $99,000 |
| Collateral | 4 | $385,000 | $96,000 | $159,000 | $45,000 | $63,000 |
| Unverifiable Information | 1 | $126,000 | $126,000 | $126,000 | $72,000 | $72,000 |
| Debt-To-Income Ratio | 1 | $8,000 | $8,000 | $8,000 | $18,000 | $18,000 |
| Employment History | 1 | $70,000 | $70,000 | $70,000 | $116,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $138,000 | $138,000 | $138,000 | $50,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tri County Bank A Pvc's 2010 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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