PlainLender
2024 data HMDA 2024 disclosure official source

Carbon County

506 mortgage applications, 13.2% denial rate. Verify FIPS 56007 with U.S. Census Bureau →

PlainLender home → About this data

Wyoming · FIPS 56007

Local mortgage market. Carbon County, Wyoming saw 506 HMDA-reported mortgage applications in 2024. Lenders originated 254 of those loans and denied 67, producing a denial rate of 13.2% and an approval (origination) rate of 50.2%. The average loan amount was $188,063 at an average note rate of 6.65%, with applicants self-reporting average annual income of $37K. 65 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 56007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

506
Applications
254
Originated
13.2%
Denial Rate
50.2%
Approval Rate
$188,063
Avg Loan Amount
6.65%
Avg Interest Rate
$37K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Carbon 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 Axia Financial LLC 39 15.4%
2 Rocket Mortgage 22 8.7%
3 Plains Commerce Bank 22 8.7%
4 Meridian Trust Federal Credit Union 16 6.3%
5 Securitynational Mortgage Company 14 5.5%
Compare Axia Financial LLC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Carbon County?
In the 2024 HMDA reporting year, 506 mortgage applications were filed in Carbon County, Wyoming. Of these, 254 were originated (approved and funded), while 67 were denied, resulting in a denial rate of 13.2%.
What is the mortgage denial rate in Carbon County?
The mortgage denial rate in Carbon County is 13.2%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Carbon County?
The average mortgage loan amount in Carbon County is $188,063. The average interest rate is 6.654%. The average applicant income is $37K.
What is the loan-to-income ratio in Carbon County?
The average loan-to-income ratio in Carbon County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Carbon County?
The top mortgage lenders in Carbon County by origination volume are Axia Financial LLC, Rocket Mortgage, Plains Commerce Bank. In total, 65 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.