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2024 data HMDA 2024 disclosure official source

Converse County

464 mortgage applications, 13.8% denial rate. Verify FIPS 56009 with U.S. Census Bureau →

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Wyoming · FIPS 56009

Local mortgage market. Converse County, Wyoming saw 464 HMDA-reported mortgage applications in 2024. Lenders originated 256 of those loans and denied 64, producing a denial rate of 13.8% and an approval (origination) rate of 55.2%. The average loan amount was $201,767 at an average note rate of 6.93%, with applicants self-reporting average annual income of $38K. 69 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 56009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

464
Applications
256
Originated
13.8%
Denial Rate
55.2%
Approval Rate
$201,767
Avg Loan Amount
6.93%
Avg Interest Rate
$38K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Converse 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 17 6.6%
2 Guild Mortgage Company 17 6.6%
3 United Wholesale Mortgage 15 5.9%
4 Wallick and Volk, INC. 13 5.1%
5 Rocket Mortgage 12 4.7%
Compare Uniwyo Federal Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Converse County?
In the 2024 HMDA reporting year, 464 mortgage applications were filed in Converse County, Wyoming. Of these, 256 were originated (approved and funded), while 64 were denied, resulting in a denial rate of 13.8%.
What is the mortgage denial rate in Converse County?
The mortgage denial rate in Converse County is 13.8%. The approval (origination) rate is 55.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Converse County?
The average mortgage loan amount in Converse County is $201,767. The average interest rate is 6.927%. The average applicant income is $38K.
What is the loan-to-income ratio in Converse County?
The average loan-to-income ratio in Converse County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Converse County?
The top mortgage lenders in Converse County by origination volume are Uniwyo Federal Credit Union, Guild Mortgage Company, United Wholesale Mortgage. In total, 69 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.