Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Wyoming Bank & Trust of Cheyenne, WY reported 451 mortgage applications totaling $123.0 million, down 31% from 2020. The average application was for $272,738, and applicants reported an average income of $116,554. 83% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cheyenne, WY (395), Denver-Aurora-Lakewood, CO (6) and Casper, WY (5) (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 | $123,005,000 |
| Average Mortgage Loan Application Amount | $272,738 |
| Highest Mortgage Loan Application Amount | $3,575,000 |
| Average Applicant Income | $116,554 |
| Highest Applicant Income | $991,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 395 | $ 106,645,000 | $ 269,987 | $ 115,000 |
| Albany, Wyoming | 13 | $ 3,785,000 | $ 291,153 | $ 90,000 |
| Platte, Wyoming | 6 | $ 1,390,000 | $ 231,666 | $ 185,000 |
| Natrona, Wyoming | 5 | $ 1,675,000 | $ 335,000 | $ 193,000 |
| Maricopa, Arizona | 2 | $ 770,000 | $ 385,000 | $ 122,000 |
| Adams, Colorado | 2 | $ 730,000 | $ 365,000 | $ 180,000 |
| Jefferson, Colorado | 2 | $ 740,000 | $ 370,000 | $ 119,000 |
| Larimer, Colorado | 2 | $ 1,140,000 | $ 570,000 | $ 163,000 |
| Weld, Colorado | 2 | $ 760,000 | $ 380,000 | $ 136,000 |
| Goshen, Wyoming | 2 | $ 450,000 | $ 225,000 | $ 61,000 |
| Sheridan, Wyoming | 2 | $ 890,000 | $ 445,000 | $ 240,000 |
| Yavapai, Arizona | 1 | $ 435,000 | $ 435,000 | $ 167,000 |
| Arapahoe, Colorado | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Boulder, Colorado | 1 | $ 315,000 | $ 315,000 | $ 47,000 |
| Elbert, Colorado | 1 | $ 255,000 | $ 255,000 | $ 54,000 |
| Garfield, Colorado | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Martin, Florida | 1 | $ 95,000 | $ 95,000 | $ 232,000 |
| Orange, Florida | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Cascade, Montana | 1 | $ 325,000 | $ 325,000 | $ 190,000 |
| Yellowstone, Montana | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Keith, Nebraska | 1 | $ 275,000 | $ 275,000 | $ 48,000 |
| Scotts Bluff, Nebraska | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
| Bernalillo, New Mexico | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Tillman, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Beaufort, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 375,000 |
| Campbell, Wyoming | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| Park, Wyoming | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Sweetwater, Wyoming | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2021
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 | 244 | $70,880,000 | $290,000 | $3,575,000 | $124,000 | $991,000 |
| Refinancing | 94 | $22,300,000 | $237,000 | $1,345,000 | $107,000 | $243,000 |
| Cash-out Refinancing | 83 | $23,095,000 | $278,000 | $545,000 | $106,000 | $261,000 |
| Home Improvement | 29 | $6,665,000 | $229,000 | $405,000 | $118,000 | $211,000 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $32,000 | $32,000 |
| 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 | 369 | $95,525,000 | $258,000 | $705,000 | $116,000 | $991,000 |
| Not Provided | 25 | $6,745,000 | $269,000 | $425,000 | $157,000 | $810,000 |
| Hispanic | 25 | $5,595,000 | $223,000 | $575,000 | $101,000 | $232,000 |
| Not applicable | 19 | $10,675,000 | $561,000 | $3,575,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $1,095,000 | $219,000 | $445,000 | $129,000 | $202,000 |
| Asian | 5 | $1,625,000 | $325,000 | $505,000 | $96,000 | $173,000 |
| Black or African American | 3 | $1,745,000 | $581,000 | $815,000 | $135,000 | $175,000 |
| 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) | 333 | $86,185,000 | $258,000 | $3,575,000 | $127,000 | $991,000 |
| VA-guaranteed (Veterans Administration) | 87 | $29,675,000 | $341,000 | $815,000 | $98,000 | $205,000 |
| FHA-insured (Federal Housing Administration) | 31 | $7,145,000 | $230,000 | $365,000 | $62,000 | $135,000 |
| 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 | 374 | $102,790,000 | $274,000 | $3,575,000 | $115,000 | $991,000 |
| Application Withdrawn By Applicant | 43 | $11,465,000 | $266,000 | $635,000 | $124,000 | $663,000 |
| Application Denied By Financial Institution | 18 | $4,780,000 | $265,000 | $645,000 | $137,000 | $810,000 |
| Application Approved But Not Accepted | 9 | $1,845,000 | $205,000 | $465,000 | $149,000 | $480,000 |
| File Closed For Incompleteness | 7 | $2,125,000 | $303,000 | $455,000 | $87,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 433 | $118,225,000 | $273,000 | $3,575,000 | $116,000 | $991,000 |
| Collateral | 5 | $1,175,000 | $235,000 | $335,000 | $139,000 | $440,000 |
| Debt-To-Income Ratio | 4 | $1,020,000 | $255,000 | $315,000 | $72,000 | $131,000 |
| Other | 3 | $1,315,000 | $438,000 | $645,000 | $376,000 | $810,000 |
| Credit History | 3 | $685,000 | $228,000 | $385,000 | $63,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $450,000 | $225,000 | $255,000 | $37,000 | $44,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $24,000 | $24,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wyoming Bank & Trust's 2021 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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