BMO Bank in Wyoming vs the state
31.7%Denial rate+16.09 pts vs state
41.1%Decision denial rate+21.48 pts vs state
45.0%Origination rate-16.06 pts vs state
8.67%Median rate+2.16 pts vs state
1.44Rate spread (pts)+1.21 pts vs state
$81kMedian applicant income
98Loans originated
69Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 116 | 49 | 37.1% | 7.50% | #36 |
| 2024 | 188 | 77 | 28.2% | 8.93% | #31 |
| 2025 | 218 | 98 | 31.7% | 8.67% | #29 |
What BMO Bank lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 37 | 22 | 8 | 21.6% |
| Uinta County | 28 | 12 | 11 | 39.3% |
| Sweetwater County | 28 | 14 | 7 | 25.0% |
| Fremont County | 23 | 13 | 5 | 21.7% |
| Platte County | 17 | 8 | 4 | 23.5% |
| Natrona County | 16 | 7 | 5 | 31.3% |
| Albany County | 13 | 4 | 4 | 30.8% |
| Teton County | 12 | 1 | 9 | 75.0% |
| Sheridan County | 8 | 2 | 3 | 37.5% |
| Niobrara County | 7 | 1 | 4 | 57.1% |
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: 218 applications in 2025, of which 98 were originated and 69 denied.
31.7% of all applications, or 41.1% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans BMO Bank originated in Wyoming in 2025 was 8.67%, against a statewide median of 6.50%.
About this data. Figures are BMO Bank'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