First Federal Bank & Trust in Wyoming vs the state
4.4%Denial rate-11.12 pts vs state
5.5%Decision denial rate-14.09 pts vs state
76.3%Origination rate+15.29 pts vs state
7.00%Median rate+0.50 pts vs state
—Rate spread (pts)
$124kMedian applicant income
103Loans originated
6Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 125 | 6.9% | 6.25% | #26 |
| 2025 | 135 | 103 | 4.4% | 7.00% | #46 |
What First Federal Bank & Trust lends in Wyoming
By loan purpose
By loan type
Where in Wyoming
Counties with the most First Federal Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sheridan County | 113 | 86 | 5 | 4.4% |
| Natrona County | 7 | 5 | 0 | 0.0% |
| Johnson County | 6 | 6 | 0 | 0.0% |
| Campbell County | 3 | 2 | 0 | 0.0% |
| Laramie County | 1 | 0 | 0 | 0.0% |
| Crook County | 1 | 1 | 0 | 0.0% |
| Albany County | 1 | 1 | 0 | 0.0% |
| Platte County | 1 | 1 | 0 | 0.0% |
| Fremont 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: 135 applications in 2025, of which 103 were originated and 6 denied.
4.4% of all applications, or 5.5% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans First Federal Bank & Trust originated in Wyoming in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are First Federal Bank & 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