21st Mortgage in Wyoming vs the state
49.8%Denial rate+34.28 pts vs state
73.5%Decision denial rate+53.87 pts vs state
17.0%Origination rate-43.97 pts vs state
10.11%Median rate+3.61 pts vs state
4.77Rate spread (pts)+4.54 pts vs state
$68kMedian applicant income
53Loans originated
155Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 46 | 50.0% | 9.92% | #16 |
| 2024 | 226 | 33 | 65.0% | 9.66% | #24 |
| 2025 | 311 | 53 | 49.8% | 10.11% | #20 |
What 21st Mortgage lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 66 | 8 | 32 | 48.5% |
| Natrona County | 64 | 15 | 29 | 45.3% |
| Sweetwater County | 35 | 5 | 18 | 51.4% |
| Uinta County | 29 | 4 | 20 | 69.0% |
| Fremont County | 25 | 9 | 12 | 48.0% |
| Sheridan County | 14 | 2 | 9 | 64.3% |
| Campbell County | 13 | 4 | 4 | 30.8% |
| Albany County | 10 | 0 | 7 | 70.0% |
| Park County | 10 | 2 | 3 | 30.0% |
| Lincoln County | 7 | 1 | 2 | 28.6% |
Other large lenders in Wyoming
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 1,567 | 17.1% | 6.50% |
| United Shore Financial Services | B | 1,281 | 8.7% | 6.12% |
| Fairway Independent Mortgage | B | 1,106 | 4.2% | 6.49% |
| Guild Mortgage | A | 961 | 4.5% | 6.38% |
| Glacier Bank | D | 856 | 15.9% | 6.95% |
| Mortgage Research Center | C | 599 | 16.9% | 6.25% |
| Uniwyo Federal Credit Union | C | 541 | 15.2% | 7.50% |
| Meridian Trust Federal Credit Union | B | 525 | 18.3% | 6.50% |
| Freedom Mortgage | B | 512 | 11.1% | 6.19% |
| First Interstate Bank | D | 510 | 23.5% | 8.13% |
Frequently asked questions
Wyoming: 311 applications in 2025, of which 53 were originated and 155 denied.
49.8% of all applications, or 73.5% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans 21st Mortgage originated in Wyoming in 2025 was 10.11%, against a statewide median of 6.50%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Wyoming, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology