Central Bank and Trust in Wyoming vs the state
2.9%Denial rate-12.66 pts vs state
3.2%Decision denial rate-16.36 pts vs state
87.0%Origination rate+25.95 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
60Loans originated
2Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 34 | 11.9% | — | #70 |
| 2024 | 32 | 19 | 12.5% | — | #76 |
| 2025 | 69 | 60 | 2.9% | — | #68 |
What Central Bank and Trust lends in Wyoming
By loan purpose
By loan type
Where in Wyoming
Counties with the most Central Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fremont County | 33 | 25 | 2 | 6.1% |
| Laramie County | 27 | 27 | 0 | 0.0% |
| Hot Springs County | 8 | 7 | 0 | 0.0% |
| Albany County | 1 | 1 | 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: 69 applications in 2025, of which 60 were originated and 2 denied.
2.9% of all applications, or 3.2% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Central Bank and Trust'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