Wyoming Mortgage Lending in 2025
Explore residential mortgage lending activity in Wyoming using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 10,302 actionable applications (Actions 1, 2, and 3).
How Wyoming Compares
Key metrics: Wyoming vs. U.S. (2025)
| Metric | Wyoming | U.S. |
|---|---|---|
| Actionable Apps | 10,302 | 5,197,320 |
| Approval Rate | 82.25% | 82.12% |
| Denial Rate | 17.75% | 17.88% |
| Originations | 8,052 | 4,052,301 |
| Originated Volume | $2.82 Billion | $1.58 Trillion |
| Median Loan | $305,000 | $325,000 |
Lending Trends in Wyoming
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 11,272 | 13,325 | +18.21% |
| Actionable Apps | 8,922 | 10,302 | +15.47% |
| Originations | 6,983 | 8,052 | +15.31% |
| Approval Rate | 81.90% | 82.25% | +0.35 pp |
| Denial Rate | 18.10% | 17.75% | -0.35 pp |
| Median Loan | $285,000 | $305,000 | +7.02% |
| Dollar Volume | $2.30 Billion | $2.82 Billion | +22.78% |
Applications by Borrower Income (Wyoming)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 2,507 | 86.96% | 13.04% |
| $150k+ | 1,950 | 89.03% | 10.97% |
| $50k–$99,999 | 3,996 | 81.56% | 18.44% |
| <$50k | 982 | 53.87% | 46.13% |
| Income unavailable/entity | 867 | 88.70% | 11.30% |
Metropolitan Areas in Wyoming
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Cheyenne | 2,597 | 2,092 | 83.71% |
| Casper | 1,646 | 1,299 | 84.08% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Wyoming (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 952 | 91.23% |
| 2 | ROCKET MORTGAGE | 804 | 82.04% |
| 3 | FAIRWAY INDEPENDENT MORT CORP | 677 | 95.77% |
| 4 | GUILD MORTGAGE COMPANY | 514 | 95.38% |
| 5 | Jonah Bank of Wyoming | 337 | 97.69% |
| 6 | Mortgage Research Center | 277 | 74.07% |
| 7 | FREEDOM MORTGAGE CORPORATION | 238 | 82.52% |
| 8 | Glacier Bank | 238 | 79.87% |
| 9 | CROSSCOUNTRY MORTGAGE, LLC | 191 | 96.48% |
| 10 | Gold Star Mortgage Financial Group, Corporation | 185 | 98.98% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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Export official Wyoming mortgage data for research, journalism, or analysis.