Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Wyoming Bank & Trust of Cheyenne, WY reported 357 mortgage applications totaling $76.5 million, up 13% from 2018. The average application was for $214,187, and applicants reported an average income of $111,840. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cheyenne, WY (314), Casper, WY (6) and Denver-Aurora-Lakewood, CO (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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 357 |
| Total Mortgage Loan Application Amount | $76,465,000 |
| Average Mortgage Loan Application Amount | $214,187 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $111,840 |
| Highest Applicant Income | $812,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 314 | $ 68,770,000 | $ 219,012 | $ 106,000 |
| Natrona, Wyoming | 6 | $ 840,000 | $ 140,000 | $ 97,000 |
| Albany, Wyoming | 5 | $ 1,005,000 | $ 201,000 | $ 142,000 |
| Larimer, Colorado | 4 | $ 1,490,000 | $ 372,500 | $ 73,000 |
| Platte, Wyoming | 4 | $ 390,000 | $ 97,500 | $ 59,000 |
| Maricopa, Arizona | 2 | $ 270,000 | $ 135,000 | $ 131,000 |
| Jefferson, Colorado | 2 | $ 480,000 | $ 240,000 | $ 428,000 |
| Shelby, Tennessee | 2 | $ 250,000 | $ 125,000 | $ 130,000 |
| Mobile, Alabama | 1 | $ 75,000 | $ 75,000 | $ 619,000 |
| Cochise, Arizona | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Pinal, Arizona | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Broomfield, Colorado | 1 | $ 315,000 | $ 315,000 | $ 173,000 |
| Douglas, Colorado | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Weld, Colorado | 1 | $ 405,000 | $ 405,000 | $ 141,000 |
| Lee, Florida | 1 | $ 265,000 | $ 265,000 | $ 58,000 |
| Yellowstone, Montana | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Banner, Nebraska | 1 | $ 185,000 | $ 185,000 | $ 114,000 |
| Lincoln, Nebraska | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Scotts Bluff, Nebraska | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Williams, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Hamilton, Ohio | 1 | $ 55,000 | $ 55,000 | $ 204,000 |
| Montgomery, Ohio | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Pennington, South Dakota | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Fremont, Wyoming | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Goshen, Wyoming | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Washakie, Wyoming | 1 | $ 105,000 | $ 105,000 | $ 572,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2019
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 | 281 | $58,815,000 | $209,000 | $535,000 | $102,000 | $737,000 |
| Cash-out Refinancing | 43 | $9,695,000 | $225,000 | $635,000 | $103,000 | $432,000 |
| Refinancing | 28 | $7,280,000 | $260,000 | $685,000 | $213,000 | $812,000 |
| Home Improvement | 4 | $190,000 | $47,000 | $85,000 | $92,000 | $108,000 |
| Not Applicable | 1 | $485,000 | $485,000 | $485,000 | $504,000 | $504,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 306 | $66,780,000 | $218,000 | $685,000 | $112,000 | $812,000 |
| Hispanic | 31 | $5,035,000 | $162,000 | $355,000 | $87,000 | $400,000 |
| Not applicable | 7 | $1,635,000 | $233,000 | $495,000 | $0 | $0 |
| Asian | 5 | $875,000 | $175,000 | $335,000 | $97,000 | $152,000 |
| Black or African American | 3 | $705,000 | $235,000 | $335,000 | $64,000 | $80,000 |
| Not Provided | 2 | $760,000 | $380,000 | $535,000 | $305,000 | $384,000 |
| American Indian or Alaskan Native | 2 | $460,000 | $230,000 | $355,000 | $79,000 | $130,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $215,000 | $215,000 | $215,000 | $39,000 | $39,000 |
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) | 248 | $48,120,000 | $194,000 | $535,000 | $124,000 | $812,000 |
| VA-guaranteed (Veterans Administration) | 59 | $17,865,000 | $302,000 | $685,000 | $96,000 | $319,000 |
| FHA-insured (Federal Housing Administration) | 50 | $10,480,000 | $209,000 | $325,000 | $58,000 | $98,000 |
| 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 | 306 | $66,970,000 | $218,000 | $685,000 | $110,000 | $812,000 |
| Application Withdrawn By Applicant | 29 | $5,435,000 | $187,000 | $455,000 | $80,000 | $303,000 |
| Application Denied By Financial Institution | 14 | $2,540,000 | $181,000 | $485,000 | $126,000 | $707,000 |
| Application Approved But Not Accepted | 7 | $1,395,000 | $199,000 | $535,000 | $197,000 | $694,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $75,000 | $75,000 |
| 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 | 357 | $76,465,000 | $214,000 | $685,000 | $110,000 | $812,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2019 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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