Niobrara County, WY Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 120 mortgage applications in Niobrara County, WY totaling $8.9 million, down 15% from 2006. The average application was for $74,000, and applicants reported an average income of $58,000. 41% of applications resulted in an originated loan and 32% were denied. The most active lender was Bank of the West, with 28 applications, followed by Wells Fargo Bank, NA and Eloan.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 120 |
| Total Mortgage Loan Application Amount | $8,932,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $191,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $199,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,642,936,000 | 28 | $ 2,041,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 10 | $ 680,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 7 | $ 700,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 7 | $ 106,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 433,012,000 | 6 | $ 293,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 5 | $ 345,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 4 | $ 288,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 299,000 |
| Wells Fargo Fin'l Wyoming, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 226,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 3 | $ 44,000 |
| First National Bank P O BOX 730 TORRINGTON, WY 82240 |
* | $ 292,704,000 | 3 | $ 363,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 202,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 500,605,000 | 2 | $ 170,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 2 | $ 213,000 |
| Wyhy Federal Credit Union 1715 STILLWATER AVE CHEYENNE, WY 82009 |
* | $ 118,719,000 | 2 | $ 38,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 121,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 195,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 184,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 249,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 115,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 88,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 1 | $ 170,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 2,857,914,000 | 1 | $ 121,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 7,641,954,000 | 1 | $ 120,000 |
| Equipoint Financial Network 3636 NOBEL SUITE 400 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 45,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 1 | $ 110,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 154,141,000 | 1 | $ 72,000 |
| Reliant Federal Credit Union 4015 PLAZA DR CASPER, WY 82604 |
* | $ 57,755,000 | 1 | $ 40,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 1 | $ 26,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 78,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 145,000 |
| Ditech.Com LLC F/K/A Ditech.Co 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 58,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 158,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 1 | $ 71,000 |
The tables below break down 2007 mortgage applications in Niobrara County, WY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Niobrara County, WY in 2007
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 | 52 | $4,547,000 | $87,000 | $181,000 | $53,000 | $192,000 |
| Refinancing | 43 | $3,496,000 | $81,000 | $191,000 | $64,000 | $199,000 |
| Home Improvement | 25 | $889,000 | $35,000 | $100,000 | $58,000 | $144,000 |
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 | 98 | $7,413,000 | $75,000 | $191,000 | $61,000 | $199,000 |
| Not applicable | 9 | $657,000 | $73,000 | $158,000 | $14,000 | $54,000 |
| Not Provided | 9 | $639,000 | $71,000 | $89,000 | $56,000 | $84,000 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $50,000 | $51,000 | $90,000 |
| Hispanic | 2 | $143,000 | $71,000 | $128,000 | $134,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 115 | $8,405,000 | $73,000 | $191,000 | $58,000 | $199,000 |
| FHA-insured (Federal Housing Administration) | 4 | $472,000 | $118,000 | $170,000 | $61,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 1 | $55,000 | $55,000 | $55,000 | $52,000 | $52,000 |
| 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 | 49 | $3,640,000 | $74,000 | $189,000 | $61,000 | $199,000 |
| Application Denied By Financial Institution | 38 | $3,111,000 | $81,000 | $191,000 | $57,000 | $144,000 |
| Application Approved But Not Accepted | 15 | $476,000 | $31,000 | $78,000 | $59,000 | $100,000 |
| Loan Purchased By The Institution | 13 | $1,148,000 | $88,000 | $158,000 | $38,000 | $92,000 |
| File Closed For Incompleteness | 3 | $337,000 | $112,000 | $128,000 | $108,000 | $192,000 |
| Application Withdrawn By Applicant | 2 | $220,000 | $110,000 | $170,000 | $36,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $428,000 | $53,000 | $97,000 | $49,000 | $77,000 |
| Collateral | 5 | $522,000 | $104,000 | $165,000 | $55,000 | $70,000 |
| Debt-To-Income Ratio | 3 | $354,000 | $118,000 | $191,000 | $48,000 | $74,000 |
| Other | 2 | $49,000 | $24,000 | $25,000 | $64,000 | $70,000 |
| Unverifiable Information | 1 | $71,000 | $71,000 | $71,000 | $26,000 | $26,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $90,000 | $90,000 |
| 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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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