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Fremont County, Wyoming
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 881 mortgage applications in Fremont County, Wyoming, for 2024, and originated 483 loans worth $107m.
That is 32.1 originations per 1,000 households, against 46.4 for Wyoming and 48.0 nationally.
The county's denial rate was 24.4%, above the state rate of 21.0%. The median rate spread on originated loans was 0.4 percentage points and 11.8% of originations were 1.5 points or more above the average prime offer rate.
10 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (62), First Interstate Bank (40) and Guild Mortgage Company (28).
Originations were up 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 88 | 62 | $14m | 22.0% | — |
| 2 | First Interstate Bank | 69 | 40 | $6.5m | 27.6% | — |
| 3 | Guild Mortgage Company | 38 | 28 | $5.9m | 14.3% | — |
| 4 | Flagstar Bank NA | 26 | 23 | $6.0m | 11.5% | — |
| 5 | Plains Commerce Bank | 30 | 21 | $6.3m | — | — |
| 6 | Guaranteed Rate, Inc. | 30 | 19 | $4.9m | — | — |
| 7 | Central Bank & Trust | 27 | 17 | $2.9m | — | — |
| 8 | Meridian Trust Federal Credit Union | 29 | 14 | $1.6m | — | — |
| 9 | Centennial Lending, LLC | 34 | 9 | $2.4m | — | — |
| 10 | Discover Bank | 31 | 2 | $90k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 10. Denial rate is denials over decided applications in this county.
Compared with Wyoming and the nation
| Measure | This county | Wyoming | United States |
|---|---|---|---|
| Denial rate | 24.4% | 21.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.8% | 14.6% | 15.6% |
| Average originated loan | $221k | $284k | $329k |
| Originations per 1,000 households | 32.1 | 46.4 | 48.0 |
| Home purchase share of originations | 54.5% | 59.2% | 57.0% |
| FHA-insured share | 17.0% | 17.5% | 13.4% |
| VA-guaranteed share | 10.4% | 13.1% | 7.9% |
Rate spread distribution
Share of 415 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Wyoming). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (263)Home improvement 8% (38)Refinancing 14% (67)Cash-out refinancing 17% (83)Other purpose 7% (32)
By type
Conventional 70% (340)FHA 17% (82)VA 10% (50)USDA 2% (11)
Trend by year
ApplicationsOriginations
This countyWyoming
Questions and answers
Which lenders are most active in Fremont County, WY?
By 2024 originations: Rocket Mortgage (62), First Interstate Bank (40), Guild Mortgage Company (28), Flagstar Bank NA (23), Plains Commerce Bank (21). 10 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Fremont County?
24.4% of decided applications were denied in 2024, against 21.0% across Wyoming and 24.3% nationally.
How many mortgages were originated in Fremont County in 2024?
483 loans totalling $107m, from 881 applications; 32.1 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 56013; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.