Name of the lender

First Federal Bank & Trust in WyomingMortgage rates, total loan costs and denial rate for homes in Wyoming, 2025

HMDA year2025

Head office: Billings, MT
Reporting agency: Office of the Comptroller of the Currency (OCC)
Legal Entity Identifier (LEI)

First Federal Bank & Trust reported 135 applications for homes in Wyoming in the HMDA data of 2025.

It originated 103 loans in the state in 2025, for $33.9 million in total.

The lender filed the interest rate as “Exempt” for 101 of its 103 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Wyoming, because fewer than 20 loans report the amount.

It denied 5.5% of the applications that it decided in the state in 2025, and the state denial rate was 19.6%.

Filed figures of First Federal Bank & Trust in Wyoming, 2025
Figure	In WY	Lender, all states	WY, all lenders
Applications	135	234	21,844
Loans originated	103	188	13,328
Median interest rate	n/a	n/a	6.250%
Median total loan costs	n/a	n/a	$7,062
Denial rate	5.5%	5.0%	19.6%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in WY

Median interest rate in WYExempt

The lender filed the interest rate as “Exempt” for 101 of its 103 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Wyoming by the action taken
Action taken	Records	Share
1Loan originated	103	76.3%
2Application approved but not accepted	0	0.0%
3Application denied	6	4.4%
4Application withdrawn by applicant	26	19.3%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Wyoming by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	127	97	5.8%
FHA-insured	6	5	n/a
VA-guaranteed	2	1	n/a

Counties in Wyoming

Counties of First Federal Bank & Trust in Wyoming with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Sheridan County	113	86	$29.5 million	5.5%

Figures by year

First Federal Bank & Trust in Wyoming by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	135	103	$33.9 million	n/a	n/a	5.5%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	173	125	$34.5 million	n/a	n/a	8.5%
2022	271	215	$67.4 million	n/a	n/a	4.9%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
Financial Institution Lists (Office of the Comptroller of the Currency)The OCC lists of the national banks and federal savings associations that it regulates.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "First Federal Bank & Trust in Wyoming: mortgage rates, 2025", https://lenderregister.com/lender/254900ufc85sqd8xyu52-first-federal-bank-trust/wy/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Wyoming. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of First Federal Bank & Trust were in Wyoming in 2025?: 103 of its loans originated, out of 188 in all states. That is 54.8%.
In which counties of Wyoming did First Federal Bank & Trust originate the most loans in 2025?: Only one county has 50 applications or more of the lender: Sheridan County, with 86 loans originated.
Which loan types did First Federal Bank & Trust originate in Wyoming in 2025?: 97 conventional, 5 FHA and 1 VA.
How did the applications of First Federal Bank & Trust in Wyoming change from 2022 to 2025?: It reported 271 applications in 2022 and 135 in 2025.