Valley Financial Credit Union in Wyoming vs the state
20.0%Denial rate+4.44 pts vs state
21.1%Decision denial rate+1.46 pts vs state
75.0%Origination rate+13.99 pts vs state
7.50%Median rate+1.00 pts vs state
-0.10Rate spread (pts)-0.33 pts vs state
$125kMedian applicant income
15Loans originated
4Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 22 | 11.5% | 7.75% | #90 |
| 2024 | 30 | 26 | 13.3% | 8.50% | #79 |
| 2025 | 20 | 15 | 20.0% | 7.50% | #108 |
What Valley Financial Credit Union lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Valley Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Park County | 20 | 15 | 4 | 20.0% |
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: 20 applications in 2025, of which 15 were originated and 4 denied.
20.0% of all applications, or 21.1% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Valley Financial Credit Union originated in Wyoming in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Valley Financial 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