Commerce Home Mortgage in Wyoming vs the state
10.0%Denial rate-5.56 pts vs state
11.1%Decision denial rate-8.48 pts vs state
80.0%Origination rate+18.99 pts vs state
7.31%Median rate+0.81 pts vs state
1.04Rate spread (pts)+0.81 pts vs state
$263kMedian applicant income
8Loans originated
1Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 8 | 21.4% | 7.63% | #115 |
| 2024 | 10 | 8 | 0.0% | 7.63% | #138 |
| 2025 | 10 | 8 | 10.0% | 7.31% | #142 |
What Commerce Home Mortgage lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 4 | 4 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 1 | 50.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| Sublette County | 1 | 0 | 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: 10 applications in 2025, of which 8 were originated and 1 denied.
10.0% of all applications, or 11.1% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Commerce Home Mortgage originated in Wyoming in 2025 was 7.31%, against a statewide median of 6.50%.
About this data. Figures are Commerce Home Mortgage'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