Largest lenders in Albany County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Uniwyo Federal Credit Union | C | 195 | 156 | 9.2% | 7.50% |
| 2 | Jonah Bank of Wyoming | A | 135 | 131 | 0.7% | 6.13% |
| 3 | Rocket Mortgage | C | 102 | 86 | 9.8% | 6.38% |
| 4 | Fairway Independent Mortgage | B | 93 | 77 | 2.2% | 6.49% |
| 5 | Union Home Mortgage | B | 47 | 42 | 0.0% | 6.75% |
| 6 | ANB Bank | C | 40 | 27 | 10.0% | 6.13% |
| 7 | Mortgage Research Center | C | 30 | 8 | 16.7% | 5.99% |
| 8 | First Interstate Bank | D | 25 | 15 | 16.0% | 7.50% |
| 9 | United Shore Financial Services | B | 22 | 13 | 13.6% | 6.13% |
| 10 | Triad Financial Services | D | 19 | 2 | 57.9% | 9.52% |
| 11 | Unnamed lender 25490090KXNIT4RLYQ17 | – | 19 | 16 | 0.0% | 7.07% |
| 12 | First National Bank of Omaha | C | 18 | 10 | 11.1% | 7.02% |
| 13 | U.S. Bank | D | 18 | 4 | 61.1% | 6.56% |
| 14 | Newrez | D | 16 | 7 | 31.3% | 6.13% |
| 15 | Guild Mortgage | A | 14 | 10 | 14.3% | 6.63% |
| 16 | Blue Federal Credit Union | C | 14 | 5 | 7.1% | 6.99% |
| 17 | Vanderbilt Mortgage and Finance | F | 13 | 1 | 7.7% | 9.99% |
| 18 | BMO Bank | F | 13 | 4 | 30.8% | 6.88% |
| 19 | Navy Federal Credit Union | D | 12 | 8 | 8.3% | 6.56% |
| 20 | Pennymac Loan Services | C | 11 | 7 | 9.1% | 5.63% |
| 21 | 21st Mortgage | F | 10 | 0 | 70.0% | — |
| 22 | Pinnacle Bank - Wyoming | C | 10 | 8 | 0.0% | — |
| 23 | Centennial Lending | D | 9 | 3 | 11.1% | 6.00% |
| 24 | Meridian Trust Federal Credit Union | B | 9 | 5 | 33.3% | 6.31% |
| 25 | Sofi Bank | D | 9 | 3 | 0.0% | 7.38% |
Best approval odds in Albany County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Jonah Bank of Wyoming | 134 | 0.8% |
| 2 | Fairway Independent Mortgage | 79 | 2.5% |
| 3 | Uniwyo Federal Credit Union | 176 | 10.2% |
| 4 | Rocket Mortgage | 97 | 10.3% |
What Albany County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Albany County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 828 | 583 | 11.0% | 6.50% | $215,000 |
| 2024 | 1,031 | 710 | 13.2% | 6.88% | $225,000 |
| 2025 | 1,133 | 779 | 12.4% | 6.63% | $255,000 |
Frequently asked questions
12.4% of applications in Albany County were denied in 2025, against 15.6% statewide in Wyoming.
Uniwyo Federal Credit Union, with 195 applications in 2025 and a denial rate of 9.2%.
The median mortgage application in Albany County in 2025 was for $255,000; the median property value on originated loans was $395,000.