Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Wyoming Bank & Trust of Cheyenne, WY reported 290 mortgage applications totaling $50.2 million, up 15% from 2007. The average application was for $173,113, and applicants reported an average income of $85,793. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cheyenne, WY (230), Denver-Aurora, CO (10) and Casper, WY (3) (applications in parentheses).
| Mortgage Company & Address | Wyoming Bank & Trust 5827 Yellowstone Rd Cheyenne, WY 82009 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 290 |
| Total Mortgage Loan Application Amount | $50,203,000 |
| Average Mortgage Loan Application Amount | $173,113 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $85,793 |
| Highest Applicant Income | $531,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 230 | $ 39,138,000 | $ 170,165 | $ 88,000 |
| Campbell, Wyoming | 20 | $ 3,190,000 | $ 159,500 | $ 67,000 |
| Sweetwater, Wyoming | 9 | $ 1,890,000 | $ 210,000 | $ 77,000 |
| Jefferson, Colorado | 4 | $ 1,128,000 | $ 282,000 | $ 94,000 |
| Larimer, Colorado | 3 | $ 801,000 | $ 267,000 | $ 107,000 |
| Natrona, Wyoming | 3 | $ 536,000 | $ 178,666 | $ 70,000 |
| Arapahoe, Colorado | 2 | $ 399,000 | $ 199,500 | $ 75,000 |
| Carbon, Wyoming | 2 | $ 318,000 | $ 159,000 | $ 38,000 |
| Goshen, Wyoming | 2 | $ 81,000 | $ 40,500 | $ 41,000 |
| Maricopa, Arizona | 1 | $ 197,000 | $ 197,000 | $ 104,000 |
| Adams, Colorado | 1 | $ 354,000 | $ 354,000 | $ 115,000 |
| Clear Creek, Colorado | 1 | $ 90,000 | $ 90,000 | $ 116,000 |
| Denver, Colorado | 1 | $ 380,000 | $ 380,000 | $ 60,000 |
| Douglas, Colorado | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Routt, Colorado | 1 | $ 385,000 | $ 385,000 | $ 184,000 |
| Dawes, Nebraska | 1 | $ 180,000 | $ 180,000 | $ 87,000 |
| Kimball, Nebraska | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Oklahoma, Oklahoma | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Hood, Texas | 1 | $ 79,000 | $ 79,000 | $ 112,000 |
| Albany, Wyoming | 1 | $ 127,000 | $ 127,000 | $ 127,000 |
| Converse, Wyoming | 1 | $ 162,000 | $ 162,000 | $ 95,000 |
| Fremont, Wyoming | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Platte, Wyoming | 1 | $ 69,000 | $ 69,000 | $ 129,000 |
| Uinta, Wyoming | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2008
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 | 235 | $39,500,000 | $168,000 | $417,000 | $84,000 | $531,000 |
| Refinancing | 53 | $10,386,000 | $195,000 | $417,000 | $94,000 | $400,000 |
| Home Improvement | 2 | $317,000 | $158,000 | $195,000 | $79,000 | $99,000 |
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 | 260 | $45,686,000 | $175,000 | $417,000 | $88,000 | $531,000 |
| Not Provided | 14 | $2,342,000 | $167,000 | $290,000 | $70,000 | $116,000 |
| Hispanic | 13 | $1,559,000 | $119,000 | $213,000 | $55,000 | $127,000 |
| American Indian or Alaskan Native | 2 | $522,000 | $261,000 | $315,000 | $91,000 | $100,000 |
| Asian | 1 | $94,000 | $94,000 | $94,000 | $49,000 | $49,000 |
| 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) | 181 | $31,645,000 | $174,000 | $417,000 | $97,000 | $531,000 |
| FHA-insured (Federal Housing Administration) | 75 | $11,644,000 | $155,000 | $271,000 | $61,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 34 | $6,914,000 | $203,000 | $372,000 | $77,000 | $134,000 |
| 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 | 239 | $41,546,000 | $173,000 | $417,000 | $89,000 | $531,000 |
| Application Withdrawn By Applicant | 31 | $5,616,000 | $181,000 | $417,000 | $76,000 | $212,000 |
| Application Denied By Financial Institution | 17 | $2,591,000 | $152,000 | $305,000 | $62,000 | $130,000 |
| File Closed For Incompleteness | 3 | $450,000 | $150,000 | $213,000 | $77,000 | $141,000 |
| 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 | 2 | $307,000 | $153,000 | $218,000 | $46,000 | $62,000 |
| Debt-To-Income Ratio | 2 | $584,000 | $292,000 | $305,000 | $80,000 | $90,000 |
| Collateral | 2 | $142,000 | $71,000 | $112,000 | $77,000 | $130,000 |
| Other | 2 | $322,000 | $161,000 | $176,000 | $65,000 | $79,000 |
| Employment History | 1 | $103,000 | $103,000 | $103,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $62,000 | $62,000 | $62,000 | $91,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 Wyoming Bank & Trust's 2008 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 Wyoming Bank & Trust'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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