Spring Eq in Wyoming vs the state
50.9%Denial rate+35.35 pts vs state
59.6%Decision denial rate+39.98 pts vs state
32.1%Origination rate-28.89 pts vs state
9.70%Median rate+3.20 pts vs state
3.46Rate spread (pts)+3.23 pts vs state
$120kMedian applicant income
53Loans originated
84Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 0 | 100.0% | — | #132 |
| 2024 | 58 | 13 | 58.6% | 9.60% | #65 |
| 2025 | 165 | 53 | 50.9% | 9.70% | #40 |
What Spring Eq lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Spring Eq applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 38 | 14 | 14 | 36.8% |
| Sheridan County | 22 | 9 | 11 | 50.0% |
| Campbell County | 20 | 6 | 12 | 60.0% |
| Natrona County | 15 | 6 | 8 | 53.3% |
| Park County | 10 | 3 | 6 | 60.0% |
| Lincoln County | 9 | 3 | 4 | 44.4% |
| Teton County | 9 | 1 | 7 | 77.8% |
| Sweetwater County | 7 | 3 | 3 | 42.9% |
| Uinta County | 6 | 2 | 2 | 33.3% |
| Fremont County | 6 | 1 | 4 | 66.7% |
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: 165 applications in 2025, of which 53 were originated and 84 denied.
50.9% of all applications, or 59.6% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Spring Eq originated in Wyoming in 2025 was 9.70%, against a statewide median of 6.50%.
About this data. Figures are Spring Eq'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