American Pacific Mortgage in Wyoming vs the state
7.3%Denial rate-8.23 pts vs state
9.0%Decision denial rate-10.62 pts vs state
74.4%Origination rate+13.34 pts vs state
6.50%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.17 pts vs state
$100kMedian applicant income
142Loans originated
14Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 116 | 7.4% | 6.38% | #30 |
| 2024 | 143 | 108 | 2.8% | 6.50% | #40 |
| 2025 | 191 | 142 | 7.3% | 6.50% | #33 |
What American Pacific Mortgage lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 91 | 68 | 6 | 6.6% |
| Sheridan County | 43 | 35 | 1 | 2.3% |
| Sweetwater County | 15 | 11 | 1 | 6.7% |
| Johnson County | 8 | 6 | 1 | 12.5% |
| Lincoln County | 8 | 4 | 4 | 50.0% |
| Park County | 6 | 5 | 0 | 0.0% |
| Big Horn County | 4 | 4 | 0 | 0.0% |
| Fremont County | 3 | 2 | 0 | 0.0% |
| Platte County | 3 | 2 | 0 | 0.0% |
| Carbon County | 2 | 0 | 0 | 0.0% |
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: 191 applications in 2025, of which 142 were originated and 14 denied.
7.3% of all applications, or 9.0% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans American Pacific Mortgage originated in Wyoming in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are American Pacific 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