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2024 data HMDA 2024 disclosure official source

Albany County

1,180 mortgage applications, 11.5% denial rate. Verify FIPS 56001 with U.S. Census Bureau →

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Wyoming · FIPS 56001

Local mortgage market. Albany County, Wyoming saw 1,180 HMDA-reported mortgage applications in 2024. Lenders originated 710 of those loans and denied 136, producing a denial rate of 11.5% and an approval (origination) rate of 60.2%. The average loan amount was $268,669 at an average note rate of 7.07%, with applicants self-reporting average annual income of $37K. 98 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 56001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,180
Applications
710
Originated
11.5%
Denial Rate
60.2%
Approval Rate
$268,669
Avg Loan Amount
7.07%
Avg Interest Rate
$37K
Avg Applicant Income
7.3x
Loan-to-Income Ratio

Nearby Lenders in Albany County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Uniwyo Federal Credit Union 181 25.5%
2 Jonah Bank 117 16.5%
3 Rocket Mortgage 71 10.0%
4 Fairway Independent Mort CORP 45 6.3%
5 Servion 44 6.2%
Compare Uniwyo Federal Credit Union vs Jonah Bank →

Frequently Asked Questions

How many mortgage applications were filed in Albany County?
In the 2024 HMDA reporting year, 1,180 mortgage applications were filed in Albany County, Wyoming. Of these, 710 were originated (approved and funded), while 136 were denied, resulting in a denial rate of 11.5%.
What is the mortgage denial rate in Albany County?
The mortgage denial rate in Albany County is 11.5%. The approval (origination) rate is 60.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Albany County?
The average mortgage loan amount in Albany County is $268,669. The average interest rate is 7.072%. The average applicant income is $37K.
What is the loan-to-income ratio in Albany County?
The average loan-to-income ratio in Albany County is 7.3x, meaning borrowers took on loans averaging 7.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Albany County?
The top mortgage lenders in Albany County by origination volume are Uniwyo Federal Credit Union, Jonah Bank, Rocket Mortgage. In total, 98 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.