Pennymac Loan Services in Wyoming vs the state
12.7%Denial rate-2.85 pts vs state
19.1%Decision denial rate-0.52 pts vs state
52.3%Origination rate-8.75 pts vs state
6.63%Median rate+0.13 pts vs state
0.66Rate spread (pts)+0.43 pts vs state
$110kMedian applicant income
185Loans originated
45Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 64 | 12.2% | 6.75% | #32 |
| 2024 | 231 | 106 | 11.7% | 6.25% | #22 |
| 2025 | 354 | 185 | 12.7% | 6.63% | #15 |
What Pennymac Loan Services lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 97 | 48 | 11 | 11.3% |
| Natrona County | 36 | 22 | 2 | 5.6% |
| Campbell County | 34 | 15 | 8 | 23.5% |
| Uinta County | 24 | 13 | 2 | 8.3% |
| Carbon County | 22 | 6 | 4 | 18.2% |
| Sweetwater County | 19 | 13 | 3 | 15.8% |
| Lincoln County | 17 | 8 | 4 | 23.5% |
| Fremont County | 17 | 13 | 0 | 0.0% |
| Sheridan County | 17 | 9 | 1 | 5.9% |
| Albany County | 11 | 7 | 1 | 9.1% |
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: 354 applications in 2025, of which 185 were originated and 45 denied.
12.7% of all applications, or 19.1% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Pennymac Loan Services originated in Wyoming in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Pennymac Loan Services'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