First Western Trust Bank in Wyoming vs the state
0.7%Denial rate-14.85 pts vs state
0.9%Decision denial rate-18.68 pts vs state
75.0%Origination rate+13.99 pts vs state
6.25%Median rate-0.25 pts vs state
-0.09Rate spread (pts)-0.32 pts vs state
$108kMedian applicant income
105Loans originated
1Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 27 | 5.7% | 6.38% | #77 |
| 2024 | 111 | 72 | 3.6% | 6.38% | #47 |
| 2025 | 140 | 105 | 0.7% | 6.25% | #43 |
What First Western Trust Bank lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most First Western Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 90 | 64 | 1 | 1.1% |
| Teton County | 33 | 27 | 0 | 0.0% |
| Lincoln County | 5 | 4 | 0 | 0.0% |
| Natrona County | 4 | 4 | 0 | 0.0% |
| Sweetwater County | 3 | 1 | 0 | 0.0% |
| Albany County | 2 | 2 | 0 | 0.0% |
| Sublette County | 1 | 1 | 0 | 0.0% |
| Park County | 1 | 1 | 0 | 0.0% |
| Johnson 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: 140 applications in 2025, of which 105 were originated and 1 denied.
0.7% of all applications, or 0.9% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans First Western Trust Bank originated in Wyoming in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are First Western Trust 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