Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Wyoming Bank & Trust of Cheyenne, WY reported 407 mortgage applications totaling $91.9 million. The average application was for $225,742, and applicants reported an average income of $94,002. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cheyenne, WY (359), Fort Collins-Loveland, CO (8) and Boulder, CO (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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 407 |
| Total Mortgage Loan Application Amount | $91,877,000 |
| Average Mortgage Loan Application Amount | $225,742 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $94,002 |
| Highest Applicant Income | $1,200,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 359 | $ 82,291,000 | $ 229,222 | $ 94,000 |
| Larimer, Colorado | 8 | $ 1,636,000 | $ 204,500 | $ 98,000 |
| Albany, Wyoming | 7 | $ 1,605,000 | $ 229,285 | $ 96,000 |
| Sweetwater, Wyoming | 5 | $ 1,039,000 | $ 207,800 | $ 74,000 |
| Boulder, Colorado | 3 | $ 661,000 | $ 220,333 | $ 101,000 |
| Maricopa, Arizona | 2 | $ 390,000 | $ 195,000 | $ 88,000 |
| Douglas, Colorado | 2 | $ 548,000 | $ 274,000 | $ 105,000 |
| Weld, Colorado | 2 | $ 650,000 | $ 325,000 | $ 36,000 |
| Carbon, Wyoming | 2 | $ 282,000 | $ 141,000 | $ 40,000 |
| Lincoln, Wyoming | 2 | $ 138,000 | $ 69,000 | $ 66,000 |
| Pima, Arizona | 1 | $ 83,000 | $ 83,000 | $ 86,000 |
| Jefferson, Colorado | 1 | $ 122,000 | $ 122,000 | $ 68,000 |
| Routt, Colorado | 1 | $ 330,000 | $ 330,000 | $ 37,000 |
| Pinellas, Florida | 1 | $ 288,000 | $ 288,000 | $ 207,000 |
| Butler, Kansas | 1 | $ 176,000 | $ 176,000 | $ 88,000 |
| Hancock, Maine | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| Kimball, Nebraska | 1 | $ 68,000 | $ 68,000 | $ 35,000 |
| Merrick, Nebraska | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Williams, North Dakota | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Johnson, Wyoming | 1 | $ 190,000 | $ 190,000 | $ 122,000 |
| Natrona, Wyoming | 1 | $ 218,000 | $ 218,000 | $ 70,000 |
| Niobrara, Wyoming | 1 | $ 126,000 | $ 126,000 | $ 80,000 |
| Platte, Wyoming | 1 | $ 118,000 | $ 118,000 | $ 79,000 |
| Teton, Wyoming | 1 | $ 400,000 | $ 400,000 | $ 374,000 |
| Uinta, Wyoming | 1 | $ 123,000 | $ 123,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 212 | $53,654,000 | $253,000 | $12,500,000 | $92,000 | $636,000 |
| Refinancing | 187 | $36,718,000 | $196,000 | $565,000 | $97,000 | $1,200,000 |
| Home Improvement | 8 | $1,505,000 | $188,000 | $417,000 | $77,000 | $216,000 |
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 | 331 | $64,154,000 | $193,000 | $565,000 | $92,000 | $682,000 |
| Hispanic | 30 | $5,330,000 | $177,000 | $417,000 | $83,000 | $516,000 |
| Not Provided | 29 | $5,992,000 | $206,000 | $368,000 | $149,000 | $1,200,000 |
| Not applicable | 6 | $13,866,000 | $2,311,000 | $12,500,000 | $0 | $0 |
| Black or African American | 3 | $708,000 | $236,000 | $274,000 | $69,000 | $86,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $680,000 | $226,000 | $267,000 | $80,000 | $97,000 |
| American Indian or Alaskan Native | 3 | $670,000 | $223,000 | $235,000 | $76,000 | $82,000 |
| Asian | 2 | $477,000 | $238,000 | $265,000 | $164,000 | $240,000 |
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) | 271 | $64,375,000 | $237,000 | $12,500,000 | $102,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 78 | $17,845,000 | $228,000 | $485,000 | $83,000 | $203,000 |
| FHA-insured (Federal Housing Administration) | 55 | $9,245,000 | $168,000 | $274,000 | $71,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $412,000 | $137,000 | $159,000 | $44,000 | $55,000 |
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 | 341 | $79,481,000 | $233,000 | $12,500,000 | $93,000 | $682,000 |
| Application Denied By Financial Institution | 37 | $6,698,000 | $181,000 | $565,000 | $74,000 | $225,000 |
| Application Withdrawn By Applicant | 20 | $3,834,000 | $191,000 | $396,000 | $90,000 | $215,000 |
| File Closed For Incompleteness | 7 | $1,471,000 | $210,000 | $253,000 | $229,000 | $1,200,000 |
| Application Approved But Not Accepted | 2 | $393,000 | $196,000 | $206,000 | $139,000 | $211,000 |
| 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 | 11 | $2,454,000 | $223,000 | $565,000 | $105,000 | $179,000 |
| Credit History | 7 | $1,063,000 | $151,000 | $223,000 | $53,000 | $88,000 |
| Debt-To-Income Ratio | 7 | $1,102,000 | $157,000 | $330,000 | $44,000 | $70,000 |
| Other | 6 | $1,050,000 | $175,000 | $259,000 | $118,000 | $225,000 |
| Employment History | 3 | $496,000 | $165,000 | $297,000 | $59,000 | $116,000 |
| Unverifiable Information | 2 | $233,000 | $116,000 | $124,000 | $15,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $300,000 | $300,000 | $300,000 | $0 | $0 |
| Mortgage Insurance Denied | 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 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 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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