Navy Federal Credit Union in Wyoming vs the state
20.0%Denial rate+4.44 pts vs state
27.5%Decision denial rate+7.91 pts vs state
52.3%Origination rate-8.74 pts vs state
6.25%Median rate-0.25 pts vs state
-0.31Rate spread (pts)-0.54 pts vs state
$120kMedian applicant income
115Loans originated
44Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 71 | 25.3% | 6.25% | #28 |
| 2024 | 176 | 74 | 22.7% | 6.38% | #33 |
| 2025 | 220 | 115 | 20.0% | 6.25% | #28 |
What Navy Federal Credit Union lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 77 | 43 | 16 | 20.8% |
| Natrona County | 35 | 14 | 9 | 25.7% |
| Park County | 17 | 8 | 5 | 29.4% |
| Fremont County | 13 | 7 | 1 | 7.7% |
| Albany County | 12 | 8 | 1 | 8.3% |
| Sweetwater County | 11 | 7 | 0 | 0.0% |
| Sheridan County | 11 | 4 | 5 | 45.5% |
| Lincoln County | 7 | 3 | 1 | 14.3% |
| Carbon County | 5 | 3 | 2 | 40.0% |
| Converse County | 4 | 1 | 1 | 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% |
| 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: 220 applications in 2025, of which 115 were originated and 44 denied.
20.0% of all applications, or 27.5% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Navy Federal Credit Union originated in Wyoming in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Navy 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