Wyoming Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Wyoming Bank & Trust of Cheyenne, WY reported 261 mortgage applications totaling $53.9 million, down 18% from 2013. The average application was for $206,463, and applicants reported an average income of $109,973. 88% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cheyenne, WY (240), Fort Collins, CO (3) 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 | 261 |
| Total Mortgage Loan Application Amount | $53,887,000 |
| Average Mortgage Loan Application Amount | $206,463 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $109,973 |
| Highest Applicant Income | $1,168,000 |
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Act (HMDA) records Wyoming Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Wyoming Bank & Trust in 2014
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 | 217 | $46,443,000 | $214,000 | $600,000 | $103,000 | $1,168,000 |
| Refinancing | 36 | $6,641,000 | $184,000 | $540,000 | $144,000 | $420,000 |
| Home Improvement | 8 | $803,000 | $100,000 | $302,000 | $146,000 | $490,000 |
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 | 219 | $44,587,000 | $203,000 | $600,000 | $114,000 | $1,168,000 |
| Not Provided | 15 | $3,189,000 | $212,000 | $558,000 | $129,000 | $420,000 |
| Hispanic | 14 | $2,986,000 | $213,000 | $388,000 | $64,000 | $109,000 |
| Black or African American | 5 | $1,068,000 | $213,000 | $340,000 | $81,000 | $119,000 |
| Asian | 4 | $973,000 | $243,000 | $323,000 | $95,000 | $143,000 |
| American Indian or Alaskan Native | 3 | $824,000 | $274,000 | $348,000 | $82,000 | $114,000 |
| Not applicable | 1 | $260,000 | $260,000 | $260,000 | $0 | $0 |
| 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) | 186 | $36,747,000 | $197,000 | $600,000 | $119,000 | $1,168,000 |
| VA-guaranteed (Veterans Administration) | 51 | $13,077,000 | $256,000 | $540,000 | $97,000 | $296,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,478,000 | $165,000 | $271,000 | $70,000 | $141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $585,000 | $195,000 | $249,000 | $62,000 | $73,000 |
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 | 229 | $47,027,000 | $205,000 | $600,000 | $112,000 | $1,168,000 |
| Application Denied By Financial Institution | 16 | $3,675,000 | $229,000 | $540,000 | $95,000 | $202,000 |
| Application Withdrawn By Applicant | 15 | $2,987,000 | $199,000 | $305,000 | $84,000 | $164,000 |
| File Closed For Incompleteness | 1 | $198,000 | $198,000 | $198,000 | $420,000 | $420,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $860,000 | $172,000 | $265,000 | $55,000 | $98,000 |
| Collateral | 3 | $419,000 | $139,000 | $200,000 | $105,000 | $195,000 |
| Other | 3 | $781,000 | $260,000 | $407,000 | $71,000 | $105,000 |
| Credit History | 3 | $1,040,000 | $346,000 | $540,000 | $137,000 | $196,000 |
| Employment History | 1 | $444,000 | $444,000 | $444,000 | $202,000 | $202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $131,000 | $131,000 | $131,000 | $109,000 | $109,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wyoming Bank & Trust's 2014 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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