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Carbon County, Wyoming · 2025

Mortgage lenders in Carbon County, WY: denial rates and top lenders (2025)

77 lenders acted on 532 mortgage applications for properties in Carbon County in 2025. 20.1% were denied (Wyoming: 15.6%). Median rate on closed loans 6.50%; median loan $155,000; median property value $245,000.

532Applications
20.1%Denial ratestate 15.6%
6.50%Median ratestate 6.50%
$155,000Median loan
$245,000Median property value

Largest lenders in Carbon County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Securitynational Mortgage D 6454 1.6%6.38%
2 Meridian Trust Federal Credit Union B 4723 23.4%7.00%
3 Rocket Mortgage C 4225 33.3%6.88%
4 Plains Commerce Bank B 3823 7.9%6.38%
5 United Shore Financial Services B 2418 8.3%6.20%
6 Mortgage Research Center C 2414 20.8%6.56%
7 Pennymac Loan Services C 226 18.2%6.37%
8 RNB State Bank – 1812 5.6%—
9 Freedom Mortgage B 143 21.4%5.75%
10 Uniwyo Federal Credit Union C 137 23.1%7.74%
11 AmeriSave Mortgage D 124 58.3%6.25%
12 Loandepot.Com D 126 33.3%6.93%
13 Guild Mortgage A 117 0.0%7.50%
14 Nationstar Mortgage C 94 44.4%7.50%
15 Vanderbilt Mortgage and Finance F 90 33.3%—
16 U.S. Bank D 82 37.5%6.60%
17 Plaza Home Mortgage C 73 0.0%6.99%
18 Newrez D 72 14.3%5.68%
19 Coastal Community Bank C 71 0.0%6.99%
20 BMO Bank F 73 42.9%9.43%
21 Carrington Mortgage Services D 63 33.3%6.13%
22 Fairway Independent Mortgage B 65 0.0%6.93%
23 Centennial Lending D 64 16.7%6.31%
24 Crosscountry Mortgage B 51 0.0%6.49%
25 Broker Solutions D 52 0.0%6.50%

Best approval odds in Carbon County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Securitynational Mortgage551.8%

What Carbon County borrowers applied for

By loan purpose

Home purchase 249 47% · 11.7% denied
Refinance 77 14% · 15.6% denied
Cash-out refinance 109 20% · 33.9% denied
Home improvement 34 6% · 23.5% denied
Other / HELOC 63 12% · 33.3% denied

By loan type

Conventional 327 61% · 22.0% denied
FHA 111 21% · 17.1% denied
VA 76 14% · 19.7% denied
USDA / RHS 18 3% · 5.6% denied

Why applications were denied

Collateral 31 29%
Debt-to-income ratio 24 23%
Credit history 19 18%
Incomplete application 14 13%
Unverifiable information 9 8%
Other 8 8%
Insufficient cash 1 1%

Carbon County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202339021819.0%6.63%$155,000
202442725415.7%6.75%$165,000
202553227620.1%6.50%$155,000

Frequently asked questions

20.1% of applications in Carbon County were denied in 2025, against 15.6% statewide in Wyoming.

Securitynational Mortgage, with 64 applications in 2025 and a denial rate of 1.6%.

The median mortgage application in Carbon County in 2025 was for $155,000; the median property value on originated loans was $245,000.