Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Wyoming Bank & Trust of Cheyenne, WY reported 651 mortgage applications totaling $163.9 million, up 82% from 2019. The average application was for $251,743, and applicants reported an average income of $113,870. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cheyenne, WY (589), Fort Collins, CO (10) and Casper, WY (7) (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 | 651 |
| Total Mortgage Loan Application Amount | $163,885,000 |
| Average Mortgage Loan Application Amount | $251,743 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $113,870 |
| Highest Applicant Income | $916,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 589 | $ 148,435,000 | $ 252,011 | $ 109,000 |
| Larimer, Colorado | 10 | $ 3,090,000 | $ 309,000 | $ 116,000 |
| Natrona, Wyoming | 7 | $ 1,545,000 | $ 220,714 | $ 149,000 |
| Albany, Wyoming | 6 | $ 1,370,000 | $ 228,333 | $ 78,000 |
| Weld, Colorado | 4 | $ 1,130,000 | $ 282,500 | $ 101,000 |
| Hamilton, Ohio | 3 | $ 215,000 | $ 71,666 | $ 157,000 |
| Goshen, Wyoming | 3 | $ 335,000 | $ 111,666 | $ 54,000 |
| Adams, Colorado | 2 | $ 490,000 | $ 245,000 | $ 110,000 |
| Valencia, New Mexico | 2 | $ 620,000 | $ 310,000 | $ 182,000 |
| Carbon, Wyoming | 2 | $ 500,000 | $ 250,000 | $ 52,000 |
| Sweetwater, Wyoming | 2 | $ 530,000 | $ 265,000 | $ 55,000 |
| Mohave, Arizona | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Pinal, Arizona | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| Boulder, Colorado | 1 | $ 515,000 | $ 515,000 | $ 206,000 |
| Chaffee, Colorado | 1 | $ 345,000 | $ 345,000 | $ 285,000 |
| Douglas, Colorado | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| El Paso, Colorado | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Routt, Colorado | 1 | $ 625,000 | $ 625,000 | $ 270,000 |
| Palm Beach, Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Dade, Georgia | 1 | $ 305,000 | $ 305,000 | $ 47,000 |
| Houston, Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Teton, Montana | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Lincoln, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Clark, Nevada | 1 | $ 95,000 | $ 95,000 | $ 184,000 |
| Montgomery, Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Fentress, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 255,000 | $ 255,000 | $ 289,000 |
| Fremont, Wyoming | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Niobrara, Wyoming | 1 | $ 225,000 | $ 225,000 | $ 37,000 |
| Sheridan, Wyoming | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Teton, Wyoming | 1 | $ 515,000 | $ 515,000 | $ 490,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2020
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 | 309 | $76,385,000 | $247,000 | $625,000 | $99,000 | $916,000 |
| Refinancing | 232 | $59,120,000 | $254,000 | $675,000 | $135,000 | $745,000 |
| Cash-out Refinancing | 85 | $23,105,000 | $271,000 | $635,000 | $112,000 | $401,000 |
| Home Improvement | 23 | $5,205,000 | $226,000 | $475,000 | $107,000 | $207,000 |
| Other Purpose | 2 | $70,000 | $35,000 | $45,000 | $119,000 | $144,000 |
| Not Applicable | 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 | 505 | $124,995,000 | $247,000 | $675,000 | $111,000 | $916,000 |
| Hispanic | 64 | $16,610,000 | $259,000 | $455,000 | $119,000 | $400,000 |
| Not applicable | 38 | $10,640,000 | $280,000 | $515,000 | $0 | $0 |
| Not Provided | 21 | $5,475,000 | $260,000 | $515,000 | $97,000 | $188,000 |
| Asian | 10 | $3,170,000 | $317,000 | $515,000 | $100,000 | $172,000 |
| Black or African American | 9 | $2,395,000 | $266,000 | $455,000 | $79,000 | $120,000 |
| American Indian or Alaskan Native | 4 | $600,000 | $150,000 | $275,000 | $52,000 | $62,000 |
| 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) | 445 | $102,985,000 | $231,000 | $625,000 | $118,000 | $916,000 |
| VA-guaranteed (Veterans Administration) | 156 | $49,280,000 | $315,000 | $675,000 | $97,000 | $218,000 |
| FHA-insured (Federal Housing Administration) | 50 | $11,620,000 | $232,000 | $325,000 | $71,000 | $185,000 |
| 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 | 581 | $145,805,000 | $250,000 | $675,000 | $111,000 | $745,000 |
| Application Withdrawn By Applicant | 46 | $12,540,000 | $272,000 | $515,000 | $123,000 | $916,000 |
| Application Denied By Financial Institution | 19 | $4,695,000 | $247,000 | $455,000 | $74,000 | $303,000 |
| File Closed For Incompleteness | 3 | $475,000 | $158,000 | $235,000 | $49,000 | $96,000 |
| Application Approved But Not Accepted | 2 | $370,000 | $185,000 | $255,000 | $46,000 | $52,000 |
| 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 | 651 | $163,885,000 | $251,000 | $675,000 | $110,000 | $916,000 |
| 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 2020 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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