Applications / Mortgage Analytics / Lenders / Wyoming / Wyoming Bank & Trust
Cheyenne, WY · State member bank · FRS · $318 million assets · 62 loans in 2025
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62
loans originated, 2025
78
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wyoming Bank & Trust is a Cheyenne purchase lender that leans heavily on government-backed loans, unlike similar banks, and its lending halved in 2025.
In 2025, 29.0% of its loans were insured by the Federal Housing Administration (FHA) and 17.7% guaranteed by the Department of Veterans Affairs (VA). Similar lenders (state member banks making between half and twice as many loans) typically made none of either. Purchases were 87.1% of its loans, and its typical loan, $295,000, was larger than the $175,000 at those peers.
Its loans fell from 128 to 62, one of the steepest falls among similar lenders, while the whole market grew 10%. The decline is long: it made 581 loans in 2020 and 274 in 2018. Fewer home buyers seeking government-backed loans, or a choice to lend less, could each explain it; the figures do not say which.
It has lent in Cheyenne since at least 1990. Its share there fell from 4.4% to 1.5%, leaving it 17th of 190 lenders; Fairway Independent Mortgage and Jonah Bank of Wyoming lead. The fall may simply follow its overall drop in lending rather than a retreat from Cheyenne. Only 4.8% of its loans went to low- and moderate-income neighborhoods, among the lowest tenth of its peers, though its share of borrowers with such incomes, 27.8%, was higher than at three in five. Its loans are concentrated in a few places, which may hold few such neighborhoods, and with 62 loans a few move either figure.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wyoming Bank & Trust took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.1% · Refinance 9.7% · Home improvement 1.6% · Other 1.6%
Conventional 53.2% · FHA 29.0% · VA 17.7% · of 62 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 | 57 | 91.9% |
| Arkansas | 1 | 1.6% |
| Colorado | 1 | 1.6% |
| Missouri | 1 | 1.6% |
| New Mexico | 1 | 1.6% |
| Texas | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cheyenne | 55 |
| Albuquerque | 1 |
| Casper | 1 |
| Dallas-Plano-Irving | 1 |
| Denver-Aurora-Centennial | 1 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XCHJ481RPPSP63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 64150 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38718 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 264150 | 2012–2017 |
Established 1 January 1919. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Wyoming Bank & Trust's data.
Wyoming Bank & Trust's data
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Wyoming Bank & 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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