Applications / Mortgage Analytics / Lenders / Wyoming / Central Bank and Trust
Lander, WY · State non-member bank · FDIC · $202 million assets · 60 loans in 2025
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60
loans originated, 2025
69
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank and Trust, a Wyoming bank, more than tripled its lending in 2025 and gained a foothold in Cheyenne.
Its originations rose 216% to 60, faster than nearly all similar lenders (state non-member banks making between half and twice as many loans), which typically grew 8%. The base was small: 2024, with 19 loans, was its lowest reported year. It made 66 loans in 2019, and it filed no report for 2020 to 2022.
In Cheyenne its share rose 1.0 points to 1.0%, ranking it 25 of 190 lenders. Fairway Independent Mortgage and Jonah Bank of Wyoming lead that market. It also ranks 58 of 314 in non-metro Wyoming.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 26.9% at similar lenders, more than at almost nine in ten of them. LMI neighborhoods took 25.0%, against 18.5%. Its lending sits in four counties of one state, and the places it serves shape both shares.
Its typical loan was $235,000, against $170,000 at similar lenders. Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) made up 5.0% of its lending; similar lenders made none. Purchases took 58.3% and refinancing 36.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Central Bank and Trust took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Refinance 36.7% · Home improvement 5.0%
Conventional 95.0% · USDA (RHS or FSA) 5.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RSNTKNOA7GNI77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 903950 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3529 | 2009–2017 |
Established 31 January 1890. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Central Bank and Trust's data.
Central Bank and Trust's data
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Central Bank and Trust 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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