Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Wyoming Bank & Trust of Cheyenne, WY reported 445 mortgage applications totaling $80.8 million, up 53% from 2008. The average application was for $181,633, and applicants reported an average income of $91,303. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cheyenne, WY (335), Fort Collins-Loveland, CO (11) and Casper, WY (4) (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 | 445 |
| Total Mortgage Loan Application Amount | $80,827,000 |
| Average Mortgage Loan Application Amount | $181,633 |
| Highest Mortgage Loan Application Amount | $649,000 |
| Average Applicant Income | $91,303 |
| Highest Applicant Income | $833,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 252 | $44,097,000 | $174,000 | $649,000 | $87,000 | $833,000 |
| Refinancing | 185 | $35,572,000 | $192,000 | $649,000 | $98,000 | $833,000 |
| Home Improvement | 8 | $1,158,000 | $144,000 | $224,000 | $72,000 | $101,000 |
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 | 386 | $71,489,000 | $185,000 | $649,000 | $93,000 | $833,000 |
| Not Provided | 28 | $4,480,000 | $160,000 | $380,000 | $81,000 | $315,000 |
| Hispanic | 21 | $3,712,000 | $176,000 | $417,000 | $94,000 | $540,000 |
| American Indian or Alaskan Native | 4 | $553,000 | $138,000 | $215,000 | $57,000 | $114,000 |
| Black or African American | 3 | $388,000 | $129,000 | $232,000 | $46,000 | $87,000 |
| Not applicable | 2 | $82,000 | $41,000 | $47,000 | $0 | $0 |
| Asian | 1 | $123,000 | $123,000 | $123,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 210 | $37,351,000 | $177,000 | $649,000 | $116,000 | $833,000 |
| FHA-insured (Federal Housing Administration) | 146 | $23,984,000 | $164,000 | $276,000 | $65,000 | $540,000 |
| VA-guaranteed (Veterans Administration) | 82 | $18,288,000 | $223,000 | $417,000 | $77,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,204,000 | $172,000 | $241,000 | $54,000 | $80,000 |
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 | 364 | $66,152,000 | $181,000 | $649,000 | $88,000 | $833,000 |
| Application Withdrawn By Applicant | 42 | $7,592,000 | $180,000 | $417,000 | $104,000 | $540,000 |
| Application Denied By Financial Institution | 26 | $5,027,000 | $193,000 | $383,000 | $119,000 | $833,000 |
| File Closed For Incompleteness | 7 | $1,283,000 | $183,000 | $391,000 | $71,000 | $228,000 |
| Application Approved But Not Accepted | 6 | $773,000 | $128,000 | $244,000 | $59,000 | $149,000 |
| 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 | 10 | $1,946,000 | $194,000 | $383,000 | $92,000 | $196,000 |
| Credit History | 7 | $1,321,000 | $188,000 | $270,000 | $106,000 | $408,000 |
| Debt-To-Income Ratio | 3 | $706,000 | $235,000 | $352,000 | $69,000 | $120,000 |
| Employment History | 3 | $517,000 | $172,000 | $220,000 | $104,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $108,000 | $108,000 | $108,000 | $27,000 | $27,000 |
| Unverifiable Information | 1 | $179,000 | $179,000 | $179,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wyoming Bank & Trust'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 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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