Niobrara County, WY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 78 mortgage applications in Niobrara County, WY totaling $10.9 million, down 11% from 2008. The average application was for $139,000, and applicants reported an average income of $76,000. 51% of applications resulted in an originated loan and 26% were denied. The most active lender was Bank of the West, with 16 applications, followed by Wells Fargo Bank, NA and Bank of America, N.A..
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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 | 78 |
| Total Mortgage Loan Application Amount | $10,896,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $1,051,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $479,000 |
| 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 |
* | $ 66,890,239,000 | 16 | $ 1,941,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 14 | $ 1,863,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 8 | $ 827,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 1,641,000 |
| Ditech.Com LLC F/K/A Ditech.Co 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 286,000 |
| First National Bank P O BOX 730 TORRINGTON, WY 82240 |
* | $ 290,664,000 | 3 | $ 924,000 |
| Wyoming Bank & Trust 5827 YELLOWSTONE RD CHEYENNE, WY 82009 |
* | $ 92,630,000 | 3 | $ 161,000 |
| Jonah Bank of Wyoming 777 WEST 1ST STREET CASPER, WY 82601 |
* | $ 148,800,000 | 2 | $ 198,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 199,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 162,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 159,099,000 | 1 | $ 47,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 216,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 133,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 20,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 117,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 202,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 49,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 686,792,000 | 1 | $ 33,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 72,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 73,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 1 | $ 124,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 208,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 137,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 196,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 5,535,535,000 | 1 | $ 41,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 241,000 |
The tables below break down 2009 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 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 47 | $7,784,000 | $165,000 | $1,051,000 | $90,000 | $479,000 |
| Home Purchase | 28 | $2,744,000 | $98,000 | $417,000 | $56,000 | $216,000 |
| Home Improvement | 3 | $368,000 | $122,000 | $208,000 | $60,000 | $65,000 |
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 | 69 | $9,919,000 | $143,000 | $1,051,000 | $73,000 | $479,000 |
| Not Provided | 5 | $433,000 | $86,000 | $180,000 | $100,000 | $327,000 |
| Not applicable | 4 | $544,000 | $136,000 | $250,000 | $108,000 | $349,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $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) | 52 | $7,936,000 | $152,000 | $1,051,000 | $94,000 | $479,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,130,000 | $112,000 | $216,000 | $38,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 6 | $713,000 | $118,000 | $162,000 | $52,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $117,000 | $117,000 | $117,000 | $46,000 | $46,000 |
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 | 40 | $5,358,000 | $133,000 | $1,051,000 | $93,000 | $479,000 |
| Application Denied By Financial Institution | 20 | $3,340,000 | $167,000 | $688,000 | $62,000 | $216,000 |
| Application Withdrawn By Applicant | 7 | $852,000 | $121,000 | $200,000 | $83,000 | $139,000 |
| Loan Purchased By The Institution | 7 | $808,000 | $115,000 | $177,000 | $34,000 | $63,000 |
| Application Approved But Not Accepted | 3 | $405,000 | $135,000 | $172,000 | $69,000 | $102,000 |
| File Closed For Incompleteness | 1 | $133,000 | $133,000 | $133,000 | $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 | 6 | $1,311,000 | $218,000 | $688,000 | $51,000 | $101,000 |
| Collateral | 3 | $504,000 | $168,000 | $234,000 | $79,000 | $93,000 |
| Other | 2 | $225,000 | $112,000 | $130,000 | $33,000 | $42,000 |
| Unverifiable Information | 1 | $99,000 | $99,000 | $99,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 1 | $241,000 | $241,000 | $241,000 | $68,000 | $68,000 |
| Credit Application Incomplete | 1 | $417,000 | $417,000 | $417,000 | $216,000 | $216,000 |
| Credit History | 1 | $137,000 | $137,000 | $137,000 | $24,000 | $24,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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