Citizens Bank · Wyoming · 2025

Citizens Bank in Wyoming: approval rate, denial rate and rates (2025)

Citizens Bank took 5 mortgage applications in Wyoming in 2025, ranking #187 of 411 lenders active in the state. It originated 40.0% of them and denied 40.0% (50.0% of the applications it decided), against a statewide denial rate of 15.6%.

5Applicationsin WY
50.0%Decision denial ratestate 19.6%
7.90%Median ratestate 6.50%
$325,000Median loanstate $235,000
$1.3MVolume3 counties

Citizens Bank in Wyoming vs the state

40.0%Denial rate+24.44 pts vs state
50.0%Decision denial rate+30.41 pts vs state
40.0%Origination rate-21.01 pts vs state
7.90%Median rate+1.40 pts vs state
0.10Rate spread (pts)-0.13 pts vs state
$567kMedian applicant income
2Loans originated
2Denied

What Citizens Bank lends in Wyoming

By loan purpose

Refinance 2 40% · 50.0% denied
Cash-out refinance 1 20% · 0.0% denied
Home improvement 1 20% · 0.0% denied
Other / HELOC 1 20% · 100.0% denied

By loan type

Conventional 5 100% · 40.0% denied

Why it denied Wyoming applicants

Debt-to-income ratio 1 50%
Other 1 50%

Where in Wyoming

Counties with the most Citizens Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Teton County 321 33.3%
Johnson County 100 0.0%
Lincoln County 101 100.0%

Other large lenders in Wyoming

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 1,56717.1%6.50%
United Shore Financial ServicesB 1,2818.7%6.12%
Fairway Independent MortgageB 1,1064.2%6.49%
Guild MortgageA 9614.5%6.38%
Glacier BankD 85615.9%6.95%
Mortgage Research CenterC 59916.9%6.25%
Uniwyo Federal Credit UnionC 54115.2%7.50%
Meridian Trust Federal Credit UnionB 52518.3%6.50%
Freedom MortgageB 51211.1%6.19%
First Interstate BankD 51023.5%8.13%

Frequently asked questions

Wyoming: 5 applications in 2025, of which 2 were originated and 2 denied.

40.0% of all applications, or 50.0% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.

The median rate on loans Citizens Bank originated in Wyoming in 2025 was 7.90%, against a statewide median of 6.50%.

About this data. Figures are Citizens 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