Weston County, WY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 274 mortgage applications in Weston County, WY totaling $42.2 million, up 1% from 2015. The average application was for $153,000, and applicants reported an average income of $65,000. 41% of applications resulted in an originated loan and 21% were denied. The most active lender was loanDepot.com LLC, with 33 applications, followed by Pinnacle Bank - Wyoming and Premier Home Mortgage, Inc..
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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 | 274 |
| Total Mortgage Loan Application Amount | $42,162,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $666,000 |
Top Mortgage Lenders in Weston County, WY (2016)
Ranked by the number of mortgage applications each lender reported in Weston County, WY in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | loanDepot.com LLC Irvine, CA |
33 | $5,638,000 | $170,000 | $71,000 |
| 2 | Pinnacle Bank - Wyoming Cody, WY |
29 | $3,616,000 | $124,000 | $73,000 |
| 3 | Premier Home Mortgage, Inc. Rapid City, SD |
17 | $2,503,000 | $147,000 | $60,000 |
| 4 | Wells Fargo Bank NA Minneapolis, MN |
15 | $2,347,000 | $156,000 | $53,000 |
| 5 | Freedom Mortgage Corporation Fishers, IN |
13 | $2,165,000 | $166,000 | $16,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
11 | $1,457,000 | $132,000 | $43,000 |
| 7 | Firstier Bank Kimball, NE |
9 | $334,000 | $37,000 | $32,000 |
| 8 | Reliance First Capital, LLC Melville, NY |
9 | $1,802,000 | $200,000 | $77,000 |
| 9 | First Interstate Bank Billings, MT |
9 | $1,679,000 | $186,000 | $144,000 |
| 10 | Lennar Mortgage, LLC Miami, FL |
7 | $1,126,000 | $160,000 | $56,000 |
The tables below break down 2016 mortgage applications in Weston 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 Weston County, WY in 2016
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 | 166 | $27,939,000 | $168,000 | $417,000 | $70,000 | $666,000 |
| Home Purchase | 88 | $12,176,000 | $138,000 | $396,000 | $54,000 | $379,000 |
| Home Improvement | 20 | $2,047,000 | $102,000 | $280,000 | $72,000 | $174,000 |
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 | 196 | $30,158,000 | $153,000 | $417,000 | $73,000 | $666,000 |
| Not applicable | 48 | $6,878,000 | $143,000 | $287,000 | $23,000 | $145,000 |
| Not Provided | 19 | $2,884,000 | $151,000 | $296,000 | $92,000 | $298,000 |
| American Indian or Alaskan Native | 5 | $1,283,000 | $256,000 | $417,000 | $52,000 | $110,000 |
| Hispanic | 5 | $751,000 | $150,000 | $242,000 | $60,000 | $82,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $208,000 | $208,000 | $208,000 | $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) | 151 | $22,963,000 | $152,000 | $417,000 | $84,000 | $666,000 |
| FHA-insured (Federal Housing Administration) | 53 | $7,170,000 | $135,000 | $362,000 | $33,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,013,000 | $143,000 | $242,000 | $37,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 35 | $7,016,000 | $200,000 | $294,000 | $57,000 | $148,000 |
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 | 113 | $16,466,000 | $145,000 | $396,000 | $73,000 | $379,000 |
| Loan Purchased By The Institution | 57 | $8,594,000 | $150,000 | $287,000 | $31,000 | $145,000 |
| Application Denied By Financial Institution | 57 | $8,995,000 | $157,000 | $417,000 | $67,000 | $180,000 |
| Application Withdrawn By Applicant | 19 | $3,400,000 | $178,000 | $417,000 | $102,000 | $666,000 |
| Application Approved But Not Accepted | 18 | $3,032,000 | $168,000 | $364,000 | $69,000 | $126,000 |
| File Closed For Incompleteness | 10 | $1,675,000 | $167,000 | $238,000 | $77,000 | $298,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 5 | $763,000 | $152,000 | $246,000 | $83,000 | $117,000 |
| Credit History | 5 | $517,000 | $103,000 | $138,000 | $89,000 | $134,000 |
| Debt-To-Income Ratio | 3 | $735,000 | $245,000 | $417,000 | $60,000 | $86,000 |
| Other | 3 | $441,000 | $147,000 | $220,000 | $62,000 | $81,000 |
| Unverifiable Information | 1 | $150,000 | $150,000 | $150,000 | $141,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $142,000 | $142,000 | $142,000 | $67,000 | $67,000 |
| Credit Application Incomplete | 1 | $141,000 | $141,000 | $141,000 | $0 | $0 |
| Employment History | 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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