Largest mortgage lenders in Wyoming
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 1,567 | 1,170 | 17.1% | 6.50% |
| 2 | United Shore Financial Services | B | 1,281 | 1,008 | 8.7% | 6.12% |
| 3 | Fairway Independent Mortgage | B | 1,106 | 885 | 4.2% | 6.49% |
| 4 | Guild Mortgage | A | 961 | 692 | 4.5% | 6.38% |
| 5 | Glacier Bank | D | 856 | 538 | 15.9% | 6.95% |
| 6 | Mortgage Research Center | C | 599 | 280 | 16.9% | 6.25% |
| 7 | Uniwyo Federal Credit Union | C | 541 | 383 | 15.2% | 7.50% |
| 8 | Meridian Trust Federal Credit Union | B | 525 | 306 | 18.3% | 6.50% |
| 9 | Freedom Mortgage | B | 512 | 242 | 11.1% | 6.19% |
| 10 | First Interstate Bank | D | 510 | 306 | 23.5% | 8.13% |
| 11 | Jonah Bank of Wyoming | A | 496 | 440 | 2.6% | 6.25% |
| 12 | Triad Financial Services | D | 395 | 117 | 44.6% | 8.00% |
| 13 | Wyhy | B | 383 | 252 | 10.2% | 8.00% |
| 14 | U.S. Bank | D | 373 | 168 | 34.1% | 7.06% |
| 15 | Pennymac Loan Services | C | 354 | 185 | 12.7% | 6.63% |
| 16 | Western Vista | C | 322 | 237 | 7.1% | 6.25% |
| 17 | Pinnacle Bank - Wyoming | C | 318 | 244 | 6.3% | — |
| 18 | Blue Federal Credit Union | C | 318 | 176 | 13.2% | 6.99% |
| 19 | Newrez | D | 317 | 147 | 13.6% | 6.13% |
| 20 | 21st Mortgage | F | 311 | 53 | 49.8% | 10.11% |
| 21 | Crosscountry Mortgage | B | 305 | 207 | 3.6% | 6.24% |
| 22 | Gold Star Mortgage Financial Group | C | 301 | 244 | 1.0% | 6.38% |
| 23 | Hilltop National Bank | B | 263 | 219 | 3.4% | — |
| 24 | Vanderbilt Mortgage and Finance | F | 253 | 15 | 45.5% | 10.50% |
| 25 | Broker Solutions | D | 226 | 72 | 8.9% | 6.88% |
Best approval odds in Wyoming
Lowest decision denial rate among lenders that decided at least 300 Wyoming applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Jonah Bank of Wyoming | 459 | 2.8% | 6.25% |
| 2 | Fairway Independent Mortgage | 934 | 4.9% | 6.49% |
| 3 | Guild Mortgage | 792 | 5.4% | 6.38% |
| 4 | United Shore Financial Services | 1,145 | 9.7% | 6.12% |
| 5 | Freedom Mortgage | 331 | 17.2% | 6.19% |
| 6 | Uniwyo Federal Credit Union | 467 | 17.6% | 7.50% |
| 7 | Rocket Mortgage | 1,469 | 18.2% | 6.50% |
| 8 | Glacier Bank | 678 | 20.1% | 6.95% |
| 9 | Meridian Trust Federal Credit Union | 410 | 23.4% | 6.50% |
| 10 | Mortgage Research Center | 384 | 26.3% | 6.25% |
Lowest median rates in Wyoming
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | United Shore Financial Services | 1,007 | 6.12% | 8.7% |
| 2 | ANB Bank | 127 | 6.13% | 8.5% |
| 3 | Newrez | 147 | 6.13% | 13.6% |
| 4 | Freedom Mortgage | 242 | 6.19% | 11.1% |
| 5 | Crosscountry Mortgage | 207 | 6.24% | 3.6% |
| 6 | Navy Federal Credit Union | 115 | 6.25% | 20.0% |
| 7 | Western Vista | 215 | 6.25% | 7.1% |
| 8 | Jonah Bank of Wyoming | 412 | 6.25% | 2.6% |
| 9 | Mortgage Research Center | 280 | 6.25% | 16.9% |
| 10 | Plains Commerce Bank | 110 | 6.38% | 5.0% |
What Wyoming borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Wyoming applications were denied
Wyoming mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 15,951 | 9,746 | 16.7% | 6.75% | $205,000 | 410 |
| 2024 | 18,523 | 11,295 | 16.9% | 6.75% | $215,000 | 408 |
| 2025 | 21,844 | 13,328 | 15.6% | 6.50% | $235,000 | 411 |
Wyoming counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
15.6% of mortgage applications in Wyoming were denied in 2025 (19.6% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Wyoming in 2025: 1,567, with a denial rate of 17.1%.
Among lenders that decided at least 300 applications in Wyoming, Jonah Bank of Wyoming had the lowest decision denial rate at 2.8%.
The median interest rate on loans originated in Wyoming in 2025 was 6.50%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.