Niobrara County, WY Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 69 mortgage applications in Niobrara County, WY totaling $9.0 million, up 17% from 2019. The average application was for $130,000, and applicants reported an average income of $65,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was Bank of the West, with 13 applications, followed by Glacier Bank and Peoples Mortgage Company.
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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 | 69 |
| Total Mortgage Loan Application Amount | $8,985,000 |
| Average Mortgage Loan Application Amount | $130,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $154,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 13 | $ 1,185,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 13,673,038,000 | 7 | $ 625,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 4 | $ 420,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ 425,932,000 | 3 | $ 285,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,151,009,000 | 2 | $ 680,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 390,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 70,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 30,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 430,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 360,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ 2,646,243,000 | 2 | $ 250,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 65,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 35,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 225,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 972,141,000 | 1 | $ 165,000 |
| Wyoming Bank & Trust 5827 YELLOWSTONE RD CHEYENNE, WY 82009 |
* | $ 206,728,000 | 1 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 155,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 165,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 245,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 14,582,546,000 | 1 | $ 105,000 |
| Wyhy Federal Credit Union 1715 STILLWATER AVE CHEYENNE, WY 82009 |
* | $ 245,184,000 | 1 | $ 75,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 215,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 55,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 205,000 |
The tables below break down 2020 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 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 | 27 | $4,165,000 | $154,000 | $435,000 | $70,000 | $154,000 |
| Refinancing | 18 | $2,430,000 | $135,000 | $245,000 | $69,000 | $123,000 |
| Cash-out Refinancing | 13 | $1,655,000 | $127,000 | $195,000 | $54,000 | $113,000 |
| Other Purpose | 6 | $440,000 | $73,000 | $205,000 | $36,000 | $55,000 |
| Home Improvement | 5 | $295,000 | $59,000 | $145,000 | $92,000 | $137,000 |
| 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 | 48 | $5,610,000 | $116,000 | $255,000 | $64,000 | $134,000 |
| Not Provided | 12 | $1,830,000 | $152,000 | $245,000 | $65,000 | $137,000 |
| Not applicable | 7 | $935,000 | $133,000 | $225,000 | $41,000 | $41,000 |
| Hispanic | 2 | $610,000 | $305,000 | $435,000 | $154,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 48 | $5,280,000 | $110,000 | $435,000 | $69,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 14 | $2,300,000 | $164,000 | $245,000 | $60,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,405,000 | $200,000 | $255,000 | $48,000 | $64,000 |
| 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 | 33 | $4,455,000 | $135,000 | $255,000 | $70,000 | $134,000 |
| Application Denied By Financial Institution | 18 | $1,680,000 | $93,000 | $245,000 | $59,000 | $137,000 |
| Application Withdrawn By Applicant | 10 | $1,850,000 | $185,000 | $435,000 | $74,000 | $154,000 |
| Loan Purchased By The Institution | 5 | $685,000 | $137,000 | $225,000 | $41,000 | $41,000 |
| Application Approved But Not Accepted | 2 | $130,000 | $65,000 | $95,000 | $55,000 | $69,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $1,000 | $1,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 49 | $6,645,000 | $135,000 | $255,000 | $66,000 | $134,000 |
| Collateral | 8 | $790,000 | $98,000 | $245,000 | $80,000 | $137,000 |
| Credit Application Incomplete | 6 | $580,000 | $96,000 | $155,000 | $36,000 | $65,000 |
| Debt-To-Income Ratio | 4 | $940,000 | $235,000 | $435,000 | $82,000 | $154,000 |
| Credit History | 2 | $30,000 | $15,000 | $15,000 | $33,000 | $33,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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