Centennial Lending in Wyoming vs the state
29.3%Denial rate+13.71 pts vs state
46.8%Decision denial rate+27.16 pts vs state
33.3%Origination rate-27.68 pts vs state
6.25%Median rate-0.25 pts vs state
0.11Rate spread (pts)-0.12 pts vs state
$80kMedian applicant income
41Loans originated
36Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 31 | 20.0% | 5.88% | #60 |
| 2024 | 111 | 54 | 18.9% | 6.31% | #48 |
| 2025 | 123 | 41 | 29.3% | 6.25% | #50 |
What Centennial Lending lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Centennial Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 54 | 23 | 6 | 11.1% |
| Fremont County | 27 | 4 | 16 | 59.3% |
| Natrona County | 12 | 1 | 6 | 50.0% |
| Albany County | 9 | 3 | 1 | 11.1% |
| Carbon County | 6 | 4 | 1 | 16.7% |
| Sweetwater County | 5 | 3 | 2 | 40.0% |
| Converse County | 3 | 3 | 0 | 0.0% |
| Park County | 2 | 0 | 0 | 0.0% |
| Uinta County | 2 | 0 | 2 | 100.0% |
| Teton 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: 123 applications in 2025, of which 41 were originated and 36 denied.
29.3% of all applications, or 46.8% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Centennial Lending originated in Wyoming in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Centennial Lending'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