Meridian Trust Federal Credit Union in Wyoming vs the state
18.3%Denial rate+2.73 pts vs state
23.4%Decision denial rate+3.82 pts vs state
58.3%Origination rate-2.72 pts vs state
6.50%Median rate0.00 pts vs state
-0.28Rate spread (pts)-0.51 pts vs state
$118kMedian applicant income
306Loans originated
96Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 455 | 259 | 19.1% | 6.00% | #7 |
| 2024 | 379 | 177 | 21.9% | 7.15% | #13 |
| 2025 | 525 | 306 | 18.3% | 6.50% | #8 |
What Meridian Trust Federal Credit Union lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Meridian Trust Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 261 | 167 | 40 | 15.3% |
| Fremont County | 62 | 35 | 10 | 16.1% |
| Carbon County | 47 | 23 | 11 | 23.4% |
| Teton County | 42 | 18 | 10 | 23.8% |
| Natrona County | 26 | 15 | 6 | 23.1% |
| Sweetwater County | 26 | 16 | 5 | 19.2% |
| Lincoln County | 22 | 11 | 3 | 13.6% |
| Sublette County | 12 | 7 | 3 | 25.0% |
| Albany County | 9 | 5 | 3 | 33.3% |
| Goshen County | 8 | 4 | 2 | 25.0% |
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% |
| Freedom Mortgage | B | 512 | 11.1% | 6.19% |
| First Interstate Bank | D | 510 | 23.5% | 8.13% |
| Jonah Bank of Wyoming | A | 496 | 2.6% | 6.25% |
Frequently asked questions
Wyoming: 525 applications in 2025, of which 306 were originated and 96 denied.
18.3% of all applications, or 23.4% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Meridian Trust Federal Credit Union originated in Wyoming in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Meridian Trust Federal Credit Union'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