Applications / Mortgage Analytics / Lenders / Wyoming / Platte Valley Bank
Torrington, WY · State member bank · FRS · $783 million assets · 189 loans in 2025
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189
loans originated, 2025
219
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Platte Valley Bank, a Wyoming lender to home buyers, makes far more government-backed loans than similar banks and grew faster than most of them in 2025.
FHA loans (insured by the Federal Housing Administration) made up 10.1% of its lending, VA loans (guaranteed by the Department of Veterans Affairs) 7.9% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.6%. Similar lenders (state member banks making between half and twice as many loans) typically made only conventional loans. Its conventional share was lower than at nearly all of them.
It made 189 loans, up 19% from 159, while similar lenders typically grew by 8%. Purchases were 75.1% of its loans. It is still below the 341 it made in 2021.
In Casper its share rose to 2.3% from 1.8%, ranking 11 of 139 behind Guild Mortgage Company and others. In Cheyenne its share edged up to 1.1%, and it ranks 20 of 190. In non-metro Wyoming it ranks 33 of 314.
Low- and moderate-income (LMI) borrowers took 34.9% of its loans, against 28.6% at similar lenders, more than at about four in five of them. Its home-purchase denial rate, 6.7%, was close to similar lenders' 7.4%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Platte Valley Bank took 219 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.1% · Refinance 21.7% · Other 3.2%
Conventional 80.4% · FHA 10.1% · VA 7.9% · USDA (RHS or FSA) 1.6% · of 189 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wyoming | 177 | 93.7% |
| Nebraska | 5 | 2.6% |
| Colorado | 3 | 1.6% |
| Kansas | 1 | 0.5% |
| North Carolina | 1 | 0.5% |
| South Dakota | 1 | 0.5% |
| Utah | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Casper | 46 |
| Cheyenne | 38 |
| Fort Collins-Loveland | 1 |
| Ogden | 1 |
| Raleigh-Cary | 1 |
| Sioux Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZFJ1696ECS0S38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 580155 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2580155 | 2010–2017 |
Established 1 January 1925. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Platte Valley Bank's data.
Platte Valley Bank's data
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Platte Valley Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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