Uniwyo Federal Credit Union in Wyoming vs the state
15.2%Denial rate-0.40 pts vs state
17.6%Decision denial rate-2.03 pts vs state
70.8%Origination rate+9.78 pts vs state
7.50%Median rate+1.00 pts vs state
0.64Rate spread (pts)+0.41 pts vs state
$109kMedian applicant income
383Loans originated
82Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 351 | 245 | 14.3% | 6.75% | #15 |
| 2024 | 612 | 406 | 15.4% | 8.00% | #6 |
| 2025 | 541 | 383 | 15.2% | 7.50% | #7 |
What Uniwyo Federal Credit Union lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Uniwyo Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Albany County | 195 | 156 | 18 | 9.2% |
| Natrona County | 167 | 105 | 37 | 22.2% |
| Laramie County | 71 | 46 | 14 | 19.7% |
| Converse County | 38 | 27 | 6 | 15.8% |
| Park County | 14 | 11 | 2 | 14.3% |
| Carbon County | 13 | 7 | 3 | 23.1% |
| Platte County | 9 | 8 | 0 | 0.0% |
| Goshen County | 5 | 5 | 0 | 0.0% |
| Campbell County | 5 | 4 | 0 | 0.0% |
| Lincoln County | 4 | 3 | 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% |
| 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: 541 applications in 2025, of which 383 were originated and 82 denied.
15.2% of all applications, or 17.6% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Uniwyo Federal Credit Union originated in Wyoming in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Uniwyo Federal Credit Union'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