Union Home Mortgage in Wyoming vs the state
5.8%Denial rate-9.81 pts vs state
6.7%Decision denial rate-12.92 pts vs state
79.3%Origination rate+18.30 pts vs state
6.38%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.08 pts vs state
$123kMedian applicant income
69Loans originated
5Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 6.7% | 6.88% | #108 |
| 2024 | 29 | 19 | 3.5% | 6.38% | #81 |
| 2025 | 87 | 69 | 5.8% | 6.38% | #58 |
What Union Home Mortgage lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 47 | 42 | 0 | 0.0% |
| Campbell County | 11 | 9 | 0 | 0.0% |
| Sheridan County | 8 | 4 | 0 | 0.0% |
| Laramie County | 7 | 5 | 2 | 28.6% |
| Carbon County | 2 | 1 | 0 | 0.0% |
| Natrona County | 2 | 2 | 0 | 0.0% |
| Sweetwater County | 2 | 2 | 0 | 0.0% |
| Converse County | 2 | 1 | 1 | 50.0% |
| Johnson County | 2 | 1 | 1 | 50.0% |
| Hot Springs County | 1 | 0 | 1 | 100.0% |
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: 87 applications in 2025, of which 69 were originated and 5 denied.
5.8% of all applications, or 6.7% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Union Home Mortgage originated in Wyoming in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Union Home Mortgage'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