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Lincoln County, Wyoming · 2025

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

144 lenders acted on 941 mortgage applications for properties in Lincoln County in 2025. 19.6% were denied (Wyoming: 15.6%). Median rate on closed loans 6.59%; median loan $285,000; median property value $525,000.

941Applications
19.6%Denial ratestate 15.6%
6.59%Median ratestate 6.50%
$285,000Median loan
$525,000Median property value

Largest lenders in Lincoln County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 9473 8.5%6.13%
2 Glacier Bank D 7434 24.3%7.25%
3 Rocket Mortgage C 7254 20.8%6.75%
4 Guild Mortgage A 6145 3.3%6.31%
5 OriginPoint B 4626 2.2%6.69%
6 NBH Bank C 2617 23.1%7.00%
7 Advantage Plus D 2512 28.0%6.50%
8 Zions Bancorporation B 2213 13.6%6.00%
9 Meridian Trust Federal Credit Union B 2211 13.6%6.50%
10 U.S. Bank D 195 42.1%7.38%
11 Mountain America Federal Credit Union D 1910 36.8%7.44%
12 Securitynational Mortgage D 1816 0.0%6.88%
13 Pennymac Loan Services C 178 23.5%7.81%
14 Freedom Mortgage B 1611 12.5%6.25%
15 Guaranteed Rate B 1510 6.7%6.50%
16 Mortgage Research Center C 159 6.7%6.13%
17 AmeriSave Mortgage D 134 53.9%9.25%
18 Loandepot.Com D 135 53.9%7.75%
19 First Interstate Bank D 127 8.3%7.25%
20 JPMorgan Chase Bank B 115 9.1%6.75%
21 Fairway Independent Mortgage B 118 0.0%6.25%
22 Newrez D 115 18.2%6.50%
23 Broker Solutions D 113 18.2%6.13%
24 Mutual of Omaha Mortgage C 104 40.0%6.13%
25 Figure Lending C 101 60.0%7.80%

Best approval odds in Lincoln County

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

#LenderDecidedDecision denial rate
1Guild Mortgage513.9%
2United Shore Financial Services819.9%
3Rocket Mortgage6921.7%
4Glacier Bank5234.6%

What Lincoln County borrowers applied for

By loan purpose

Home purchase 424 45% · 10.9% denied
Refinance 142 15% · 10.6% denied
Cash-out refinance 218 23% · 27.5% denied
Home improvement 68 7% · 35.3% denied
Other / HELOC 89 9% · 43.8% denied

By loan type

Conventional 728 77% · 19.9% denied
FHA 144 15% · 22.2% denied
VA 66 7% · 9.1% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Collateral 56 31%
Debt-to-income ratio 56 31%
Credit history 23 13%
Other 18 10%
Incomplete application 18 10%
Insufficient cash 8 4%
Unverifiable information 4 2%

Lincoln County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202367437518.0%6.99%$245,000
202472243915.9%6.86%$295,000
202594153719.6%6.59%$285,000

Frequently asked questions

19.6% of applications in Lincoln County were denied in 2025, against 15.6% statewide in Wyoming.

United Shore Financial Services, with 94 applications in 2025 and a denial rate of 8.5%.

The median mortgage application in Lincoln County in 2025 was for $285,000; the median property value on originated loans was $525,000.