Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Wyoming Bank & Trust of Cheyenne, WY reported 451 mortgage applications totaling $90.5 million, up 56% from 2015. The average application was for $200,753, and applicants reported an average income of $93,024. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cheyenne, WY (412), Denver-Aurora-Lakewood, CO (8) and Fort Collins, CO (8) (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 | 451 |
| Total Mortgage Loan Application Amount | $90,540,000 |
| Average Mortgage Loan Application Amount | $200,753 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $93,024 |
| Highest Applicant Income | $704,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 412 | $ 81,932,000 | $ 198,864 | $ 91,000 |
| Larimer, Colorado | 8 | $ 1,447,000 | $ 180,875 | $ 149,000 |
| Albany, Wyoming | 7 | $ 2,102,000 | $ 300,285 | $ 129,000 |
| Jefferson, Colorado | 4 | $ 967,000 | $ 241,750 | $ 78,000 |
| Douglas, Colorado | 2 | $ 515,000 | $ 257,500 | $ 112,000 |
| Houston, Georgia | 2 | $ 321,000 | $ 160,500 | $ 100,000 |
| Park, Wyoming | 2 | $ 202,000 | $ 101,000 | $ 47,000 |
| Maricopa, Arizona | 1 | $ 232,000 | $ 232,000 | $ 65,000 |
| Yavapai, Arizona | 1 | $ 473,000 | $ 473,000 | $ 160,000 |
| Arapahoe, Colorado | 1 | $ 141,000 | $ 141,000 | $ 52,000 |
| Denver, Colorado | 1 | $ 203,000 | $ 203,000 | $ 55,000 |
| Weld, Colorado | 1 | $ 184,000 | $ 184,000 | $ 100,000 |
| Okaloosa, Florida | 1 | $ 338,000 | $ 338,000 | $ 151,000 |
| Otter Tail, Minnesota | 1 | $ 301,000 | $ 301,000 | $ 427,000 |
| Clark, Nevada | 1 | $ 203,000 | $ 203,000 | $ 74,000 |
| Santa Fe, New Mexico | 1 | $ 304,000 | $ 304,000 | $ 139,000 |
| Goshen, Wyoming | 1 | $ 93,000 | $ 93,000 | $ 24,000 |
| Johnson, Wyoming | 1 | $ 202,000 | $ 202,000 | $ 86,000 |
| Platte, Wyoming | 1 | $ 173,000 | $ 173,000 | $ 85,000 |
| Sublette, Wyoming | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Uinta, Wyoming | 1 | $ 113,000 | $ 113,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2016
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 | 354 | $68,901,000 | $194,000 | $515,000 | $86,000 | $704,000 |
| Refinancing | 79 | $17,891,000 | $226,000 | $417,000 | $122,000 | $439,000 |
| Home Improvement | 18 | $3,748,000 | $208,000 | $417,000 | $104,000 | $229,000 |
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 | 378 | $74,588,000 | $197,000 | $515,000 | $93,000 | $704,000 |
| Hispanic | 37 | $6,962,000 | $188,000 | $450,000 | $75,000 | $170,000 |
| Not Provided | 16 | $4,291,000 | $268,000 | $455,000 | $156,000 | $414,000 |
| Black or African American | 12 | $2,743,000 | $228,000 | $467,000 | $79,000 | $169,000 |
| Asian | 6 | $1,460,000 | $243,000 | $370,000 | $77,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $496,000 | $248,000 | $344,000 | $120,000 | $138,000 |
| Native Hawaiin 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) | 313 | $57,959,000 | $185,000 | $417,000 | $101,000 | $704,000 |
| VA-guaranteed (Veterans Administration) | 89 | $23,544,000 | $264,000 | $473,000 | $89,000 | $427,000 |
| FHA-insured (Federal Housing Administration) | 47 | $8,636,000 | $183,000 | $515,000 | $53,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $401,000 | $200,000 | $247,000 | $56,000 | $70,000 |
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 | 399 | $80,669,000 | $202,000 | $515,000 | $94,000 | $704,000 |
| Application Withdrawn By Applicant | 32 | $6,078,000 | $189,000 | $473,000 | $89,000 | $439,000 |
| Application Denied By Financial Institution | 16 | $3,052,000 | $190,000 | $417,000 | $81,000 | $220,000 |
| File Closed For Incompleteness | 3 | $565,000 | $188,000 | $248,000 | $167,000 | $298,000 |
| Application Approved But Not Accepted | 1 | $176,000 | $176,000 | $176,000 | $44,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $1,770,000 | $252,000 | $417,000 | $72,000 | $125,000 |
| Collateral | 6 | $754,000 | $125,000 | $199,000 | $81,000 | $220,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $266,000 | $266,000 | $266,000 | $101,000 | $101,000 |
| Other | 1 | $8,000 | $8,000 | $8,000 | $144,000 | $144,000 |
| Credit History | 1 | $254,000 | $254,000 | $254,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wyoming Bank & Trust's 2016 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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