Sublette County, Wyoming · 2025

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

87 lenders acted on 429 mortgage applications for properties in Sublette County in 2025. 15.4% were denied (Wyoming: 15.6%). Median rate on closed loans 6.50%; median loan $275,000; median property value $475,000.

429Applications
15.4%Denial ratestate 15.6%
6.50%Median ratestate 6.50%
$275,000Median loan
$475,000Median property value

Largest lenders in Sublette County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 115102 7.0%6.12%
2 Glacier Bank D 5328 20.8%7.56%
3 Rocket Mortgage C 3932 15.4%6.63%
4 NBH Bank C 178 23.5%7.62%
5 Newrez D 125 16.7%7.88%
6 Meridian Trust Federal Credit Union B 127 25.0%6.50%
7 Guild Mortgage A 113 18.2%6.25%
8 Freedom Mortgage B 72 0.0%6.06%
9 Pennymac Loan Services C 63 0.0%5.99%
10 U.S. Bank D 64 33.3%7.54%
11 AmeriSave Mortgage D 62 66.7%7.62%
12 Guaranteed Rate B 53 0.0%6.63%

Best approval odds in Sublette County

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

#LenderDecidedDecision denial rate
1United Shore Financial Services1107.3%

What Sublette County borrowers applied for

By loan purpose

Home purchase 159 37% · 6.3% denied
Refinance 72 17% · 8.3% denied
Cash-out refinance 118 28% · 21.2% denied
Home improvement 43 10% · 37.2% denied
Other / HELOC 37 9% · 24.3% denied

By loan type

Conventional 320 75% · 16.3% denied
FHA 62 14% · 14.5% denied
VA 45 10% · 11.1% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 22 33%
Collateral 21 32%
Credit history 7 11%
Other 6 9%
Incomplete application 5 8%
Unverifiable information 3 5%
Insufficient cash 1 2%
Employment history 1 2%

Sublette County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202324015515.0%6.69%$275,000
202432520616.0%6.87%$245,000
202542926715.4%6.50%$275,000

Frequently asked questions

15.4% of applications in Sublette County were denied in 2025, against 15.6% statewide in Wyoming.

United Shore Financial Services, with 115 applications in 2025 and a denial rate of 7.0%.

The median mortgage application in Sublette County in 2025 was for $275,000; the median property value on originated loans was $475,000.