Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Wyoming Bank & Trust of Cheyenne, WY reported 289 mortgage applications totaling $58.8 million, up 11% from 2014. The average application was for $203,411, and applicants reported an average income of $98,664. 93% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Cheyenne, WY (261), Fort Collins, CO (5) and Denver-Aurora-Lakewood, CO (2) (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 | 289 |
| Total Mortgage Loan Application Amount | $58,786,000 |
| Average Mortgage Loan Application Amount | $203,411 |
| Highest Mortgage Loan Application Amount | $629,000 |
| Average Applicant Income | $98,664 |
| Highest Applicant Income | $813,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 261 | $ 53,055,000 | $ 203,275 | $ 97,000 |
| Albany, Wyoming | 10 | $ 1,893,000 | $ 189,300 | $ 140,000 |
| Larimer, Colorado | 5 | $ 1,503,000 | $ 300,600 | $ 83,000 |
| Arapahoe, Colorado | 2 | $ 470,000 | $ 235,000 | $ 91,000 |
| Weld, Colorado | 2 | $ 601,000 | $ 300,500 | $ 132,000 |
| Platte, Wyoming | 2 | $ 119,000 | $ 59,500 | $ 106,000 |
| Maricopa, Arizona | 1 | $ 196,000 | $ 196,000 | $ 162,000 |
| Pinal, Arizona | 1 | $ 50,000 | $ 50,000 | $ 106,000 |
| Indian River, Florida | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Lake, Florida | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Cook, Illinois | 1 | $ 138,000 | $ 138,000 | $ 52,000 |
| Williams, North Dakota | 1 | $ 300,000 | $ 300,000 | $ 114,000 |
| Washington, Oregon | 1 | $ 296,000 | $ 296,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2015
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 | 230 | $46,646,000 | $202,000 | $629,000 | $97,000 | $813,000 |
| Refinancing | 51 | $10,464,000 | $205,000 | $411,000 | $108,000 | $620,000 |
| Home Improvement | 8 | $1,676,000 | $209,000 | $398,000 | $87,000 | $139,000 |
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 | 252 | $51,672,000 | $205,000 | $629,000 | $99,000 | $813,000 |
| Hispanic | 15 | $2,778,000 | $185,000 | $417,000 | $82,000 | $195,000 |
| Not Provided | 8 | $1,448,000 | $181,000 | $357,000 | $158,000 | $438,000 |
| Not applicable | 6 | $997,000 | $166,000 | $251,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $677,000 | $225,000 | $361,000 | $127,000 | $182,000 |
| Asian | 3 | $655,000 | $218,000 | $307,000 | $171,000 | $367,000 |
| Black or African American | 2 | $559,000 | $279,000 | $356,000 | $87,000 | $127,000 |
| 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) | 194 | $36,666,000 | $189,000 | $629,000 | $106,000 | $813,000 |
| FHA-insured (Federal Housing Administration) | 47 | $8,706,000 | $185,000 | $276,000 | $69,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 45 | $12,465,000 | $277,000 | $521,000 | $100,000 | $540,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $949,000 | $316,000 | $338,000 | $74,000 | $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 | 270 | $55,620,000 | $206,000 | $629,000 | $102,000 | $813,000 |
| Application Withdrawn By Applicant | 15 | $2,540,000 | $169,000 | $360,000 | $65,000 | $151,000 |
| Application Denied By Financial Institution | 4 | $626,000 | $156,000 | $221,000 | $38,000 | $78,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2 | $290,000 | $145,000 | $220,000 | $53,000 | $78,000 |
| Other | 1 | $221,000 | $221,000 | $221,000 | $23,000 | $23,000 |
| Debt-To-Income Ratio | 1 | $115,000 | $115,000 | $115,000 | $23,000 | $23,000 |
| 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wyoming Bank & Trust's 2015 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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