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Laramie County, Wyoming · 2025

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

214 lenders acted on 5,394 mortgage applications for properties in Laramie County in 2025. 13.7% were denied (Wyoming: 15.6%). Median rate on closed loans 6.50%; median loan $265,000; median property value $395,000.

5.4kApplications
13.7%Denial ratestate 15.6%
6.50%Median ratestate 6.50%
$265,000Median loan
$395,000Median property value

Largest lenders in Laramie County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fairway Independent Mortgage B 584468 4.6%6.25%
2 Rocket Mortgage C 330255 14.9%6.49%
3 Blue Federal Credit Union C 275156 13.5%6.99%
4 Meridian Trust Federal Credit Union B 261167 15.3%6.50%
5 Jonah Bank of Wyoming A 211181 2.8%6.13%
6 Guild Mortgage A 197148 3.6%6.50%
7 United Shore Financial Services B 176131 6.8%6.12%
8 Mortgage Research Center C 17482 16.7%6.25%
9 Vanderbilt Mortgage and Finance F 14710 48.3%10.63%
10 Wyhy B 13982 10.1%8.00%
11 Crosscountry Mortgage B 11473 0.9%6.25%
12 Freedom Mortgage B 10755 6.5%6.00%
13 Pennymac Loan Services C 9748 11.3%6.88%
14 American Pacific Mortgage C 9168 6.6%6.75%
15 Triad Financial Services D 9117 61.5%8.00%
16 First Western Trust Bank A 9064 1.1%6.13%
17 Geneva Financial C 8973 2.3%6.50%
18 Newrez D 8448 8.3%5.93%
19 Guaranteed Rate B 8041 6.3%6.21%
20 Navy Federal Credit Union D 7743 20.8%6.00%
21 First Interstate Bank D 7144 28.2%7.88%
22 Uniwyo Federal Credit Union C 7146 19.7%7.68%
23 ANB Bank C 6948 8.7%6.13%
24 U.S. Bank D 6629 33.3%6.75%
25 21st Mortgage F 668 48.5%10.61%

Best approval odds in Laramie County

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

#LenderDecidedDecision denial rate
1Crosscountry Mortgage751.3%
2First Western Trust Bank671.5%
3Geneva Financial752.7%
4Jonah Bank of Wyoming1883.2%
5Guild Mortgage1634.3%
6Fairway Independent Mortgage4975.4%
7Wyoming Bank & Trust606.7%
8United Shore Financial Services1508.0%
9American Pacific Mortgage748.1%
10Freedom Mortgage729.7%

What Laramie County borrowers applied for

By loan purpose

Home purchase 2,710 50% · 10.9% denied
Refinance 816 15% · 10.9% denied
Cash-out refinance 956 18% · 17.4% denied
Home improvement 384 7% · 16.4% denied
Other / HELOC 528 10% · 24.1% denied

By loan type

Conventional 3,442 64% · 15.9% denied
FHA 757 14% · 11.1% denied
VA 1,192 22% · 8.8% denied
USDA / RHS 3 0% · 66.7% denied

Why applications were denied

Debt-to-income ratio 240 33%
Credit history 178 24%
Collateral 90 12%
Other 77 10%
Incomplete application 73 10%
Unverifiable information 48 7%
Insufficient cash 19 3%
Employment history 11 1%

Laramie County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,0782,54715.6%6.50%$225,000
20244,7852,91116.3%6.63%$245,000
20255,3943,34313.7%6.50%$265,000

Frequently asked questions

13.7% of applications in Laramie County were denied in 2025, against 15.6% statewide in Wyoming.

Fairway Independent Mortgage, with 584 applications in 2025 and a denial rate of 4.6%.

The median mortgage application in Laramie County in 2025 was for $265,000; the median property value on originated loans was $395,000.