Freedom Mortgage in Wyoming vs the state
11.1%Denial rate-4.43 pts vs state
17.2%Decision denial rate-2.37 pts vs state
47.3%Origination rate-13.74 pts vs state
6.19%Median rate-0.31 pts vs state
0.08Rate spread (pts)-0.15 pts vs state
$98kMedian applicant income
242Loans originated
57Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 37 | 16.5% | 6.88% | #37 |
| 2024 | 296 | 137 | 12.2% | 6.25% | #18 |
| 2025 | 512 | 242 | 11.1% | 6.19% | #9 |
What Freedom Mortgage lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 107 | 55 | 7 | 6.5% |
| Campbell County | 87 | 37 | 17 | 19.5% |
| Natrona County | 62 | 35 | 5 | 8.1% |
| Sweetwater County | 34 | 19 | 2 | 5.9% |
| Sheridan County | 32 | 17 | 3 | 9.4% |
| Park County | 24 | 13 | 1 | 4.2% |
| Fremont County | 21 | 8 | 4 | 19.0% |
| Uinta County | 18 | 8 | 1 | 5.6% |
| Platte County | 17 | 8 | 1 | 5.9% |
| Lincoln County | 16 | 11 | 2 | 12.5% |
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% |
| First Interstate Bank | D | 510 | 23.5% | 8.13% |
| Jonah Bank of Wyoming | A | 496 | 2.6% | 6.25% |
Frequently asked questions
Wyoming: 512 applications in 2025, of which 242 were originated and 57 denied.
11.1% of all applications, or 17.2% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Freedom Mortgage originated in Wyoming in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Freedom 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