Vanderbilt Mortgage and Finance in Wyoming vs the state
45.5%Denial rate+29.89 pts vs state
87.8%Decision denial rate+68.20 pts vs state
5.9%Origination rate-55.08 pts vs state
10.50%Median rate+4.00 pts vs state
4.45Rate spread (pts)+4.22 pts vs state
$60kMedian applicant income
15Loans originated
115Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 6 | 40.0% | 10.87% | #39 |
| 2024 | 194 | 18 | 55.7% | 10.25% | #29 |
| 2025 | 253 | 15 | 45.5% | 10.50% | #24 |
What Vanderbilt Mortgage and Finance lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 147 | 10 | 71 | 48.3% |
| Uinta County | 29 | 2 | 16 | 55.2% |
| Sweetwater County | 20 | 0 | 11 | 55.0% |
| Albany County | 13 | 1 | 1 | 7.7% |
| Natrona County | 11 | 2 | 4 | 36.4% |
| Carbon County | 9 | 0 | 3 | 33.3% |
| Campbell County | 5 | 0 | 2 | 40.0% |
| Park County | 4 | 0 | 2 | 50.0% |
| Goshen County | 2 | 0 | 0 | 0.0% |
| Converse County | 2 | 0 | 1 | 50.0% |
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: 253 applications in 2025, of which 15 were originated and 115 denied.
45.5% of all applications, or 87.8% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Wyoming in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Vanderbilt Mortgage and Finance'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