Wyoming mortgage lenders: applications, originations, denial rate and counties, 2024

States › Wyoming

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. Record year 2024.

Wyoming had 18,523 HMDA-reported mortgage applications and 11,295 originations ($3.2bn) in 2024, from 91 lenders with at least 25 applications in the state.

The statewide denial rate was 21.0% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 46.4 per 1,000 households, against 48.0 nationally.

Originations in the state went from 13,830 in 2018 to 11,295 in 2024; the denial rate moved from 19.4% to 21.0%.

The most active lenders by originations were Rocket Mortgage (952), United Wholesale Mortgage (657) and Fairway Independent Mort Corp (577).

18,523applications, 2024

11,295loans originated$3.2bn

21.0%denial rateUS 24.3%

46.4originations per 1,000 householdsUS 48.0

Most active lenders in Wyoming

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Rocket Mortgage	1,259	952	$224m	17.0%	0.4
2	United Wholesale Mortgage	827	657	$208m	10.3%	0.1
3	Fairway Independent Mort Corp	726	577	$170m	4.4%	0.4
4	Guild Mortgage Company	766	574	$155m	4.8%	0.3
5	Glacier Bank	756	506	$117m	18.0%	0.4
6	Uniwyo Federal Credit Union	612	406	$52m	18.8%	0.7
7	Jonah Bank	418	385	$121m	2.3%	-0.1
8	Wallick and Volk, Inc.	442	361	$81m	4.5%	0.2
9	Pinnacle Bank - Wyoming	333	262	$62m	9.0%	0.2
10	First Interstate Bank	451	261	$40m	30.4%	1.2
11	Western Vista Federal Credit Union	322	240	$41m	11.4%	0.5
12	Us Bank, N.A.	434	238	$69m	36.6%	0.6
13	Mortgage Research Center	456	220	$70m	26.2%	-0.1
14	Hilltop National Bank	234	208	$60m	3.7%	—
15	Crosscountry Mortgage, LLC	291	206	$68m	2.3%	0.3
16	WyHy Federal Credit Union	294	195	$21m	16.7%	1.0
17	Meridian Trust Federal Credit Union	379	177	$22m	31.9%	0.8
18	Bay Equity LLC	199	173	$50m	2.8%	0.2
19	Blue Federal Credit Union	304	151	$21m	31.7%	-0.0
20	Platte Valley Bank	189	151	$32m	4.9%	—
21	Freedom Mortgage Corporation	296	137	$44m	19.5%	0.2
22	ANB Bank	200	132	$21m	19.3%	-0.0
23	CMG Mortgage Inc	172	131	$41m	5.9%	0.5
24	Wyoming Bank & Trust	145	117	$38m	8.5%	—
25	Kind Lending, LLC	152	113	$42m	13.7%	0.2
26	Nationstar Mortgage	149	112	$20m	10.9%	1.8
27	Figure Lending LLC	199	111	$7.2m	24.0%	4.6
28	American Pacific Mortgage Corporation	143	108	$33m	3.6%	0.4
29	Loandepot.com, LLC	207	107	$21m	34.3%	0.7
30	Pennymac Loan Services LLC	231	106	$27m	19.0%	0.1
31	Triad Financial Services, Inc.	312	94	$6.6m	52.3%	2.2
32	Servion	108	87	$27m	3.3%	0.1
33	Plains Commerce Bank	140	85	$22m	2.3%	0.3
34	Discover Bank	419	82	$6.1m	72.0%	2.4
35	Primary Residential Mortgage, INC.	104	78	$16m	4.9%	0.2
36	BMO Harris Bank NA	188	77	$26m	40.8%	1.0
37	Newrez LLC	183	74	$23m	29.2%	-0.0
38	Navy Federal Credit Union	176	74	$18m	33.9%	-0.2
39	First Western Trust Bank	111	72	$50m	4.9%	-0.1
40	Mutual of Omaha Mortgage	121	67	$18m	34.3%	0.4
41	Wells Fargo Bank NA	128	64	$21m	28.9%	0.2
42	Usaa Bank	105	64	$22m	16.9%	-0.2
43	Guaranteed Rate, Inc.	111	62	$27m	7.1%	0.2
44	Amerisave Mortgage Company	229	57	$7.3m	70.8%	4.0
45	Flagstar Bank NA	75	57	$13m	16.2%	0.3
46	Axia Financial LLC	71	57	$12m	1.6%	0.2
47	JPMorgan Chase Bank, NA	96	56	$78m	21.9%	0.1
48	Centennial Lending, LLC	111	54	$12m	28.0%	-0.1
49	New American Funding, LLC.	173	49	$13m	41.2%	0.9
50	NBH Bank	76	48	$41m	22.2%	0.6
51	First National Bank of Omaha	76	47	$13m	21.9%	0.5
52	Coastal Community Bank	154	44	$2.1m	1.9%	5.4
53	First Education Federal Credit Union	43	39	$3.9m	9.3%	—
54	Zions Bancorporation, N.A.	62	38	$40m	22.6%	-0.2
55	West Gate Bank	46	38	$11m	8.7%	-0.1
56	American Financing Corporation	96	37	$10m	46.9%	0.1
57	Nuvision Federal Credit Union	72	34	$2.8m	51.4%	-2.1
58	21st Mortgage	226	33	$3.2m	81.7%	4.2
59	Planet Home Lending, LLC	40	33	$11m	15.4%	-0.1
60	Lakeview Loan Servicing, LLC	94	31	$9.7m	45.8%	0.3

Top 60 of 91 lenders with at least 25 applications in the state, by originations. 51 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	Wyoming	United States
Denial rate	21.0%	24.3%
Median rate spread, pp	0.3	0.3
Originations with spread of 1.5 pp or more	14.6%	15.6%
Average originated loan	$284k	$329k
Originations per 1,000 households	46.4	48.0
Home purchase share of originations	59.2%	57.0%
FHA-insured share	17.5%	13.4%
VA-guaranteed share	13.1%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in Wyoming by year

WyomingUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in Wyoming by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	20,848	13,830	$2.9bn	19.4%	16.3%	11.9%	26.5%
2019	24,037	16,121	$4.0bn	16.4%	15.4%	14.2%	35.9%
2020	37,974	26,224	$7.1bn	13.2%	11.2%	15.3%	57.6%
2021	39,165	26,747	$7.9bn	13.5%	11.5%	13.5%	54.9%
2022	23,198	14,728	$4.7bn	18.2%	12.5%	10.3%	30.9%
2023	15,951	9,746	$2.7bn	21.0%	17.6%	10.8%	18.5%
2024	18,523	11,295	$3.2bn	21.0%	17.5%	13.1%	24.3%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 59% (6,681)Home improvement 8% (863)Refinancing 10% (1,122)Cash-out refinancing 14% (1,620)Other purpose 9% (1,008)

By type

Conventional 68% (7,709)FHA 17% (1,971)VA 13% (1,477)USDA 1% (138)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
Laramie County	4,785	2,911	67.3	20.6%	0.3	45
Natrona County	3,064	2,004	59.1	19.1%	0.4	29
Albany County	1,031	710	41.6	15.8%	0.3	7
Campbell County	1,134	660	36.7	22.9%	0.4	11
Sweetwater County	1,023	625	35.7	23.9%	0.3	7
Park County	861	557	41.8	16.3%	0.3	6
Fremont County	881	483	32.1	24.4%	0.4	10
Sheridan County	831	476	34.4	23.5%	0.4	8
Lincoln County	722	439	52.7	19.6%	0.3	5
Uinta County	640	351	45.5	27.2%	0.5	6
Teton County	537	285	29.0	24.8%	0.2	8
Converse County	396	256	44.4	19.4%	0.4	1
Carbon County	427	254	41.5	20.2%	0.3	4
Sublette County	325	206	55.8	19.9%	0.4	3
Goshen County	328	202	38.8	19.5%	0.4	4
Platte County	273	169	43.9	19.9%	0.5	2
Big Horn County	255	147	33.0	22.1%	0.4	2
Crook County	197	120	41.3	25.1%	0.3	1
Johnson County	199	120	30.5	22.0%	0.4	1
Washakie County	189	116	34.2	15.6%	0.3	1
Weston County	165	84	29.5	31.2%	0.4	0
Hot Springs County	103	55	25.7	23.1%	0.3	0
Niobrara County	44	25	21.0	28.6%	—	0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Wyoming originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Wyoming?

By 2024 originations: Rocket Mortgage (952), United Wholesale Mortgage (657), Fairway Independent Mort Corp (577), Guild Mortgage Company (574), Glacier Bank (506). 91 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Wyoming?

21.0% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Wyoming changed since 2018?

Originations went from 13,830 in 2018 to 11,295 in 2024; the denial rate moved from 19.4% to 21.0%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.