Wyoming
Mortgage Loan Application
Totals and Details
in 2016

Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 30,163
Total Mortgage Loan Application Amount $6,363,786,000
Average Mortgage Loan Application Amount $210,000
Highest Mortgage Loan Application Amount $36,892,000
Average Applicant Income $77,000
Highest Applicant Income $8,499,000
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Mortgage Loan Application Detail Totals for Wyoming 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 14,828 $3,244,265,000 $218,000 $36,892,000 $79,000 $8,499,000
Home Purchase 13,865 $2,956,865,000 $213,000 $15,200,000 $74,000 $3,604,000
Home Improvement 1,470 $162,656,000 $110,000 $3,900,000 $90,000 $4,432,000

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 21,218 $4,365,453,000 $205,000 $12,000,000 $88,000 $8,499,000
Not applicable 4,889 $1,179,744,000 $241,000 $36,892,000 $24,000 $1,986,000
Not Provided 2,180 $490,916,000 $225,000 $5,775,000 $95,000 $4,654,000
Hispanic 1,288 $214,749,000 $166,000 $2,183,000 $70,000 $3,386,000
Black or African American 197 $38,020,000 $192,000 $467,000 $64,000 $290,000
American Indian or Alaskan Native 172 $31,998,000 $186,000 $2,500,000 $67,000 $434,000
Asian 167 $34,607,000 $207,000 $1,147,000 $96,000 $780,000
Native Hawaiin or Other Pacific Islander 52 $8,299,000 $159,000 $417,000 $67,000 $600,000

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) 18,169 $3,921,007,000 $215,000 $15,200,000 $98,000 $8,499,000
FHA-insured (Federal Housing Administration) 5,520 $1,030,848,000 $186,000 $36,892,000 $45,000 $1,117,000
VA-guaranteed (Veterans Administration) 4,612 $1,072,701,000 $232,000 $1,019,000 $49,000 $600,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,862 $339,230,000 $182,000 $655,000 $37,000 $1,038,000

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 15,484 $3,301,284,000 $213,000 $15,200,000 $90,000 $8,499,000
Loan Purchased By The Institution 5,870 $1,247,610,000 $212,000 $3,779,000 $36,000 $2,669,000
Application Denied By Financial Institution 4,460 $845,171,000 $189,000 $5,000,000 $78,000 $3,360,000
Application Withdrawn By Applicant 2,672 $650,055,000 $243,000 $36,892,000 $92,000 $3,321,000
File Closed For Incompleteness 872 $163,262,000 $187,000 $3,750,000 $70,000 $1,200,000
Application Approved But Not Accepted 805 $156,404,000 $194,000 $1,600,000 $82,000 $1,115,000
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
Debt-To-Income Ratio 472 $118,641,000 $251,000 $5,000,000 $65,000 $1,284,000
Collateral 462 $95,677,000 $207,000 $2,500,000 $99,000 $2,083,000
Credit History 443 $58,250,000 $131,000 $1,000,000 $73,000 $615,000
Credit Application Incomplete 247 $48,806,000 $197,000 $716,000 $83,000 $1,071,000
Other 192 $34,271,000 $178,000 $2,500,000 $73,000 $776,000
Unverifiable Information 62 $16,224,000 $261,000 $1,717,000 $95,000 $991,000
Insufficient Cash (Downpayment, Closing Cost) 56 $16,151,000 $288,000 $3,250,000 $114,000 $2,000,000
Employment History 48 $7,396,000 $154,000 $408,000 $55,000 $165,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
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Mortgage Loan Application Totals in 2016 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 4,590 $ 873,011,000 $ 190,000 $ 69,000
CHEYENNE, WY 7,542 $ 1,473,436,000 $ 195,000 $ 67,000
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Mortgage Loan Application Totals in 2016 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 1,424 $ 280,313,000 $ 196,000 $ 78,000
Big Horn 355 $ 52,768,000 $ 148,000 $ 55,000
Campbell 2,611 $ 515,157,000 $ 197,000 $ 61,000
Carbon 660 $ 102,779,000 $ 155,000 $ 71,000
Converse 647 $ 116,646,000 $ 180,000 $ 53,000
Crook 301 $ 51,979,000 $ 172,000 $ 61,000
Fremont 1,304 $ 228,501,000 $ 175,000 $ 72,000
Goshen 620 $ 88,199,000 $ 142,000 $ 64,000
Hot Springs 193 $ 26,722,000 $ 138,000 $ 57,000
Johnson 386 $ 77,809,000 $ 201,000 $ 69,000
Laramie 7,546 $ 1,473,732,000 $ 195,000 $ 67,000
Lincoln 1,132 $ 244,546,000 $ 216,000 $ 80,000
Natrona 4,595 $ 873,214,000 $ 190,000 $ 69,000
Niobrara 46 $ 5,628,000 $ 122,000 $ 74,000
Park 1,480 $ 297,869,000 $ 201,000 $ 76,000
Platte 562 $ 95,409,000 $ 169,000 $ 75,000
Sheridan 1,289 $ 278,926,000 $ 216,000 $ 74,000
Sublette 477 $ 110,572,000 $ 231,000 $ 73,000
Sweetwater 1,923 $ 395,596,000 $ 205,000 $ 77,000
Teton 1,156 $ 811,867,000 $ 702,000 $ 274,000
Uinta 780 $ 132,870,000 $ 170,000 $ 68,000
Washakie 365 $ 54,035,000 $ 148,000 $ 69,000
Weston 274 $ 42,162,000 $ 153,000 $ 65,000
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