Black Hills Federal Credit Union in Wyoming vs the state
30.0%Denial rate+14.44 pts vs state
37.5%Decision denial rate+17.91 pts vs state
40.0%Origination rate-21.01 pts vs state
6.75%Median rate+0.25 pts vs state
0.45Rate spread (pts)+0.22 pts vs state
$113kMedian applicant income
8Loans originated
6Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 6 | 12.5% | 6.72% | #105 |
| 2024 | 16 | 6 | 31.3% | 5.93% | #115 |
| 2025 | 20 | 8 | 30.0% | 6.75% | #109 |
What Black Hills Federal Credit Union lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Black Hills Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Crook County | 7 | 3 | 2 | 28.6% |
| Campbell County | 5 | 3 | 0 | 0.0% |
| Natrona County | 1 | 1 | 0 | 0.0% |
| Fremont County | 1 | 1 | 0 | 0.0% |
| Laramie County | 1 | 0 | 1 | 100.0% |
| Weston County | 1 | 0 | 1 | 100.0% |
| Washakie County | 1 | 0 | 0 | 0.0% |
| Converse County | 1 | 0 | 0 | 0.0% |
| Sheridan County | 1 | 0 | 1 | 100.0% |
| Park County | 1 | 0 | 1 | 100.0% |
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: 20 applications in 2025, of which 8 were originated and 6 denied.
30.0% of all applications, or 37.5% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Black Hills Federal Credit Union originated in Wyoming in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Black Hills Federal Credit Union'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