OCMBC in Wyoming vs the state
25.0%Denial rate+9.44 pts vs state
33.3%Decision denial rate+13.74 pts vs state
25.0%Origination rate-36.01 pts vs state
8.25%Median rate+1.75 pts vs state
2.39Rate spread (pts)+2.16 pts vs state
$160kMedian applicant income
2Loans originated
2Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 9 | 2 | 44.4% | 6.81% | #142 |
| 2025 | 8 | 2 | 25.0% | 8.25% | #154 |
What OCMBC lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lincoln County | 2 | 0 | 1 | 50.0% |
| Converse County | 2 | 2 | 0 | 0.0% |
| Laramie County | 1 | 0 | 0 | 0.0% |
| Natrona County | 1 | 0 | 1 | 100.0% |
| Fremont County | 1 | 0 | 0 | 0.0% |
| Platte County | 1 | 0 | 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: 8 applications in 2025, of which 2 were originated and 2 denied.
25.0% of all applications, or 33.3% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans OCMBC originated in Wyoming in 2025 was 8.25%, against a statewide median of 6.50%.
About this data. Figures are OCMBC'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