Lower in Wyoming vs the state
20.5%Denial rate+4.95 pts vs state
30.8%Decision denial rate+11.18 pts vs state
46.2%Origination rate-14.86 pts vs state
6.19%Median rate-0.31 pts vs state
0.38Rate spread (pts)+0.15 pts vs state
$106kMedian applicant income
18Loans originated
8Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 15 | 9 | 6.7% | 6.25% | #116 |
| 2025 | 39 | 18 | 20.5% | 6.19% | #79 |
What Lower lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sheridan County | 7 | 4 | 0 | 0.0% |
| Laramie County | 7 | 3 | 2 | 28.6% |
| Natrona County | 6 | 2 | 1 | 16.7% |
| Carbon County | 4 | 1 | 2 | 50.0% |
| Park County | 3 | 1 | 0 | 0.0% |
| Campbell County | 3 | 2 | 1 | 33.3% |
| Goshen County | 3 | 3 | 0 | 0.0% |
| Uinta County | 2 | 0 | 1 | 50.0% |
| Fremont County | 2 | 1 | 0 | 0.0% |
| Converse 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: 39 applications in 2025, of which 18 were originated and 8 denied.
20.5% of all applications, or 30.8% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Lower originated in Wyoming in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are Lower'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