AllMortgageDetail - Mortgage Application Details

Wyoming
Mortgage Loan Application
Totals and Details
in 2014

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Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 24,778
Total Mortgage Loan Application Amount $4,839,349,000
Average Mortgage Loan Application Amount $195,000
Highest Mortgage Loan Application Amount $27,953,000
Average Applicant Income $79,000
Highest Applicant Income $7,510,000

Mortgage Loan Application Detail Totals for Wyoming 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 14,606 $2,946,687,000 $201,000 $10,000,000 $76,000 $7,510,000
Refinancing 8,694 $1,768,559,000 $203,000 $27,953,000 $83,000 $7,397,000
Home Improvement 1,478 $124,103,000 $83,000 $3,150,000 $82,000 $1,315,000

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 17,766 $3,360,833,000 $189,000 $10,000,000 $91,000 $7,510,000
Not applicable 3,829 $890,988,000 $232,000 $27,953,000 $15,000 $1,988,000
Not Provided 1,790 $368,327,000 $205,000 $4,980,000 $94,000 $2,362,000
Hispanic 937 $142,281,000 $151,000 $2,000,000 $77,000 $4,000,000
Asian 152 $30,429,000 $200,000 $588,000 $85,000 $450,000
American Indian or Alaskan Native 137 $18,498,000 $135,000 $580,000 $69,000 $221,000
Black or African American 127 $20,677,000 $162,000 $400,000 $77,000 $575,000
Native Hawaiin or Other Pacific Islander 40 $7,316,000 $182,000 $464,000 $76,000 $352,000

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) 15,456 $3,019,449,000 $195,000 $27,953,000 $97,000 $7,510,000
FHA-insured (Federal Housing Administration) 3,759 $669,133,000 $178,000 $10,061,000 $50,000 $1,164,000
VA-guaranteed (Veterans Administration) 3,160 $710,223,000 $224,000 $1,065,000 $57,000 $839,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,403 $440,544,000 $183,000 $485,000 $34,000 $155,000

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 13,453 $2,659,913,000 $197,000 $27,953,000 $92,000 $7,510,000
Loan Purchased By The Institution 4,792 $967,102,000 $201,000 $2,580,000 $32,000 $1,988,000
Application Denied By Financial Institution 3,416 $586,326,000 $171,000 $3,500,000 $77,000 $2,520,000
Application Withdrawn By Applicant 1,893 $401,225,000 $211,000 $10,000,000 $101,000 $4,000,000
Application Approved But Not Accepted 798 $139,842,000 $175,000 $2,010,000 $85,000 $1,045,000
File Closed For Incompleteness 426 $84,941,000 $199,000 $1,900,000 $91,000 $1,283,000
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 571 $71,881,000 $125,000 $3,000,000 $73,000 $733,000
Collateral 542 $95,987,000 $177,000 $2,060,000 $89,000 $958,000
Debt-To-Income Ratio 483 $97,450,000 $201,000 $3,000,000 $68,000 $2,318,000
Credit Application Incomplete 228 $41,901,000 $183,000 $1,000,000 $75,000 $646,000
Other 195 $36,327,000 $186,000 $2,703,000 $105,000 $1,621,000
Unverifiable Information 76 $18,092,000 $238,000 $1,625,000 $118,000 $980,000
Insufficient Cash (Downpayment, Closing Cost) 56 $13,908,000 $248,000 $2,394,000 $108,000 $1,116,000
Employment History 34 $6,153,000 $180,000 $575,000 $76,000 $227,000
Mortgage Insurance Denied 3 $572,000 $190,000 $302,000 $61,000 $80,000

Mortgage Loan Application Totals in 2014 by Wyoming Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
CASPER, WY 4,256 $ 785,184,000 $ 184,000 $ 76,000
CHEYENNE, WY 5,688 $ 1,020,262,000 $ 179,000 $ 72,000

Mortgage Loan Application Totals in 2014 by Wyoming County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Albany 1,093 $ 203,825,000 $ 186,000 $ 81,000
Big Horn 260 $ 33,746,000 $ 129,000 $ 71,000
Campbell 2,072 $ 390,600,000 $ 188,000 $ 57,000
Carbon 679 $ 99,161,000 $ 146,000 $ 78,000
Converse 639 $ 114,051,000 $ 178,000 $ 60,000
Crook 216 $ 38,463,000 $ 178,000 $ 65,000
Fremont 1,247 $ 206,543,000 $ 165,000 $ 73,000
Goshen 421 $ 47,763,000 $ 113,000 $ 70,000
Hot Springs 184 $ 26,582,000 $ 144,000 $ 61,000
Johnson 320 $ 59,548,000 $ 186,000 $ 74,000
Laramie 5,697 $ 1,021,420,000 $ 179,000 $ 72,000
Lincoln 788 $ 152,448,000 $ 193,000 $ 81,000
Natrona 4,307 $ 799,825,000 $ 185,000 $ 76,000
Niobrara 58 $ 6,563,000 $ 113,000 $ 65,000
Park 1,015 $ 199,812,000 $ 196,000 $ 80,000
Platte 355 $ 48,732,000 $ 137,000 $ 63,000
Sheridan 939 $ 175,818,000 $ 187,000 $ 69,000
Sublette 450 $ 97,305,000 $ 216,000 $ 83,000
Sweetwater 1,768 $ 360,768,000 $ 204,000 $ 77,000
Teton 923 $ 540,990,000 $ 586,000 $ 253,000
Uinta 751 $ 119,501,000 $ 159,000 $ 64,000
Washakie 283 $ 37,692,000 $ 133,000 $ 62,000
Weston 274 $ 41,238,000 $ 150,000 $ 74,000