Wyhy in Wyoming vs the state
10.2%Denial rate-5.38 pts vs state
13.4%Decision denial rate-6.19 pts vs state
65.8%Origination rate+4.79 pts vs state
8.00%Median rate+1.50 pts vs state
0.61Rate spread (pts)+0.38 pts vs state
$110kMedian applicant income
252Loans originated
39Denied
Trend in Wyoming
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 58 | 15.1% | 7.31% | #47 |
| 2024 | 294 | 195 | 13.3% | 9.50% | #19 |
| 2025 | 383 | 252 | 10.2% | 8.00% | #13 |
What Wyhy lends in Wyoming
By loan purpose
By loan type
Why it denied Wyoming applicants
Where in Wyoming
Counties with the most Wyhy applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laramie County | 139 | 82 | 14 | 10.1% |
| Natrona County | 137 | 96 | 19 | 13.9% |
| Sweetwater County | 40 | 28 | 1 | 2.5% |
| Uinta County | 18 | 14 | 0 | 0.0% |
| Converse County | 12 | 10 | 1 | 8.3% |
| Sheridan County | 6 | 4 | 0 | 0.0% |
| Albany County | 6 | 4 | 1 | 16.7% |
| Campbell County | 5 | 2 | 1 | 20.0% |
| Carbon County | 5 | 1 | 2 | 40.0% |
| Sublette County | 4 | 4 | 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% |
| 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: 383 applications in 2025, of which 252 were originated and 39 denied.
10.2% of all applications, or 13.4% of the applications it actually decided on. The Wyoming statewide average across all lenders was 15.6%.
The median rate on loans Wyhy originated in Wyoming in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Wyhy'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