Wells Fargo Bank · Wyoming · 2025

Wells Fargo Bank in Wyoming: approval rate, denial rate and rates (2025)

Wells Fargo Bank took 114 mortgage applications in Wyoming in 2025, ranking #52 of 411 lenders active in the state. It originated 50.9% of them and denied 18.4% (26.6% of the applications it decided), against a statewide denial rate of 15.6%.

114Applicationsin WY
26.6%Decision denial ratestate 19.6%
6.25%Median ratestate 6.50%
$215,000Median loanstate $235,000
$21MVolume21 counties

Wells Fargo Bank in Wyoming vs the state

18.4%Denial rate+2.86 pts vs state
26.6%Decision denial rate+6.99 pts vs state
50.9%Origination rate-10.13 pts vs state
6.25%Median rate-0.25 pts vs state
0.08Rate spread (pts)-0.15 pts vs state
$116kMedian applicant income
58Loans originated
21Denied

Trend in Wyoming

YearApplicationsOriginatedDenial rateMedian rateRank in state
20231849231.5%6.50%#23
20241286420.3%6.63%#42
20251145818.4%6.25%#52

What Wells Fargo Bank lends in Wyoming

By loan purpose

Home purchase 64 56% · 10.9% denied
Refinance 8 7% · 37.5% denied
Cash-out refinance 26 23% · 23.1% denied
Home improvement 5 4% · 40.0% denied
Other / HELOC 11 10% · 27.3% denied

By loan type

Conventional 107 94% · 19.6% denied
FHA 3 3% · 0.0% denied
VA 4 4% · 0.0% denied

Why it denied Wyoming applicants

Debt-to-income ratio 11 52%
Collateral 3 14%
Other 3 14%
Credit history 2 10%
Incomplete application 1 5%
Insufficient cash 1 5%

Where in Wyoming

Counties with the most Wells Fargo Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Natrona County 2696 23.1%
Uinta County 1043 30.0%
Laramie County 961 11.1%
Sweetwater County 840 0.0%
Teton County 833 37.5%
Fremont County 841 12.5%
Campbell County 721 14.3%
Sheridan County 541 20.0%
Lincoln County 531 20.0%
Albany County 540 0.0%

Other large lenders in Wyoming

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 1,56717.1%6.50%
United Shore Financial ServicesB 1,2818.7%6.12%
Fairway Independent MortgageB 1,1064.2%6.49%
Guild MortgageA 9614.5%6.38%
Glacier BankD 85615.9%6.95%
Mortgage Research CenterC 59916.9%6.25%
Uniwyo Federal Credit UnionC 54115.2%7.50%
Meridian Trust Federal Credit UnionB 52518.3%6.50%
Freedom MortgageB 51211.1%6.19%
First Interstate BankD 51023.5%8.13%

Frequently asked questions

Wyoming: 114 applications in 2025, of which 58 were originated and 21 denied.

18.4% of all applications, or 26.6% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.

The median rate on loans Wells Fargo Bank originated in Wyoming in 2025 was 6.25%, against a statewide median of 6.50%.

About this data. Figures are Wells Fargo Bank'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