Tri County Bank A Pvc Mortgage Lending & HMDA Data, 2011
In 2011, Tri County Bank A Pvc of Cheyenne, WY reported 81 mortgage applications totaling $13.8 million, up 4% from 2010. The average application was for $170,370, and applicants reported an average income of $88,592. 75% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cheyenne, WY (64), Phoenix-Mesa-Glendale, AZ (4) and Denver-Aurora-Broomfield, CO (2) (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 | 81 |
| Total Mortgage Loan Application Amount | $13,800,000 |
| Average Mortgage Loan Application Amount | $170,370 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $88,592 |
| Highest Applicant Income | $463,000 |
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(HMDA) records Tri County Bank A Pvc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Tri County Bank A Pvc in 2011
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 | 57 | $9,946,000 | $174,000 | $414,000 | $88,000 | $463,000 |
| Refinancing | 24 | $3,854,000 | $160,000 | $417,000 | $90,000 | $372,000 |
| 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 | 69 | $12,071,000 | $174,000 | $417,000 | $99,000 | $463,000 |
| Not applicable | 6 | $994,000 | $165,000 | $214,000 | $0 | $0 |
| Hispanic | 4 | $265,000 | $66,000 | $88,000 | $62,000 | $76,000 |
| Asian | 2 | $470,000 | $235,000 | $414,000 | $55,000 | $63,000 |
| 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 |
| 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) | 57 | $9,675,000 | $169,000 | $417,000 | $94,000 | $463,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,708,000 | $159,000 | $244,000 | $66,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,417,000 | $202,000 | $281,000 | $96,000 | $180,000 |
| 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 | 61 | $10,063,000 | $164,000 | $417,000 | $98,000 | $463,000 |
| Application Denied By Financial Institution | 16 | $3,017,000 | $188,000 | $414,000 | $60,000 | $215,000 |
| Application Withdrawn By Applicant | 4 | $720,000 | $180,000 | $243,000 | $60,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $1,074,000 | $179,000 | $292,000 | $77,000 | $215,000 |
| Other | 3 | $462,000 | $154,000 | $242,000 | $55,000 | $63,000 |
| Credit History | 3 | $582,000 | $194,000 | $281,000 | $82,000 | $114,000 |
| Debt-To-Income Ratio | 3 | $744,000 | $248,000 | $414,000 | $28,000 | $48,000 |
| 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 |
| Unverifiable Information | 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 2011 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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