United Shore Financial Services in Wyoming vs the state
8.7%Denial rate-6.89 pts vs state
9.7%Decision denial rate-9.90 pts vs state
78.7%Origination rate+17.68 pts vs state
6.12%Median rate-0.38 pts vs state
-0.01Rate spread (pts)-0.24 pts vs state
$105kMedian applicant income
1,008Loans originated
111Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 511 | 426 | 6.5% | 6.50% | #5 |
| 2024 | 827 | 657 | 9.3% | 6.25% | #2 |
| 2025 | 1,281 | 1,008 | 8.7% | 6.12% | #2 |
What United Shore Financial Services lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sweetwater County | 289 | 253 | 19 | 6.6% |
| Laramie County | 176 | 131 | 12 | 6.8% |
| Sublette County | 115 | 102 | 8 | 7.0% |
| Natrona County | 108 | 77 | 10 | 9.3% |
| Campbell County | 103 | 86 | 5 | 4.9% |
| Lincoln County | 94 | 73 | 8 | 8.5% |
| Uinta County | 87 | 73 | 6 | 6.9% |
| Sheridan County | 71 | 53 | 8 | 11.3% |
| Fremont County | 33 | 24 | 7 | 21.2% |
| Park County | 30 | 18 | 6 | 20.0% |
Other large lenders in Wyoming
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 1,567 | 17.1% | 6.50% |
| 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% |
| Jonah Bank of Wyoming | A | 496 | 2.6% | 6.25% |
Frequently asked questions
Wyoming: 1,281 applications in 2025, of which 1,008 were originated and 111 denied.
8.7% of all applications, or 9.7% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans United Shore Financial Services originated in Wyoming in 2025 was 6.12%, against a statewide median of 6.50%.
About this data. Figures are United Shore Financial 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