Tri County Bank A Pvc Mortgage Lending & HMDA Data, 2012
In 2012, Tri County Bank A Pvc of Cheyenne, WY reported 100 mortgage applications totaling $20.6 million, up 23% from 2011. The average application was for $205,770, and applicants reported an average income of $76,890. 76% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cheyenne, WY (87), Fort Collins-Loveland, CO (2) and Greeley, CO (1) (applications in parentheses).
| 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 | 100 |
| Total Mortgage Loan Application Amount | $20,577,000 |
| Average Mortgage Loan Application Amount | $205,770 |
| Highest Mortgage Loan Application Amount | $3,053,000 |
| Average Applicant Income | $76,890 |
| Highest Applicant Income | $298,000 |
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(HMDA) records Tri County Bank A Pvc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 87 | $ 17,817,000 | $ 204,793 | $ 78,000 |
| Carbon, Wyoming | 6 | $ 1,149,000 | $ 191,500 | $ 71,000 |
| Larimer, Colorado | 2 | $ 374,000 | $ 187,000 | $ 39,000 |
| Albany, Wyoming | 2 | $ 319,000 | $ 159,500 | $ 120,000 |
| Summit, Colorado | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Weld, Colorado | 1 | $ 138,000 | $ 138,000 | $ 115,000 |
| Sioux, Nebraska | 1 | $ 149,000 | $ 149,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Tri County Bank A Pvc in 2012
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 | 52 | $11,772,000 | $226,000 | $3,053,000 | $78,000 | $298,000 |
| Home Purchase | 47 | $8,800,000 | $187,000 | $423,000 | $77,000 | $253,000 |
| Home Improvement | 1 | $5,000 | $5,000 | $5,000 | $14,000 | $14,000 |
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 | 78 | $14,344,000 | $183,000 | $423,000 | $87,000 | $298,000 |
| Hispanic | 9 | $1,073,000 | $119,000 | $222,000 | $54,000 | $122,000 |
| Not applicable | 8 | $4,623,000 | $577,000 | $3,053,000 | $0 | $0 |
| Not Provided | 2 | $224,000 | $112,000 | $112,000 | $20,000 | $29,000 |
| Asian | 2 | $150,000 | $75,000 | $80,000 | $139,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $163,000 | $163,000 | $163,000 | $53,000 | $53,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 76 | $15,996,000 | $210,000 | $3,053,000 | $81,000 | $298,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,031,000 | $156,000 | $235,000 | $45,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,550,000 | $231,000 | $423,000 | $84,000 | $196,000 |
| 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 | 76 | $16,882,000 | $222,000 | $3,053,000 | $83,000 | $298,000 |
| Application Denied By Financial Institution | 18 | $2,332,000 | $129,000 | $247,000 | $40,000 | $115,000 |
| Application Withdrawn By Applicant | 6 | $1,363,000 | $227,000 | $423,000 | $101,000 | $196,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $742,000 | $123,000 | $137,000 | $23,000 | $38,000 |
| Debt-To-Income Ratio | 4 | $290,000 | $72,000 | $115,000 | $31,000 | $55,000 |
| Other | 3 | $534,000 | $178,000 | $247,000 | $75,000 | $115,000 |
| Collateral | 2 | $346,000 | $173,000 | $180,000 | $77,000 | $80,000 |
| Credit Application Incomplete | 1 | $39,000 | $39,000 | $39,000 | $0 | $0 |
| Employment History | 1 | $177,000 | $177,000 | $177,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $204,000 | $204,000 | $204,000 | $68,000 | $68,000 |
| Mortgage Insurance Denied | 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 2012 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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