Converse County
Wyoming · FIPS 56009
According to CFPB HMDA 2024 application volume among U.S. counties, Converse County ranks #2,085 of 3,223, and #13 of 23 in Wyoming.
Mortgage lending activity in Converse County, Wyoming based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Converse County, Wyoming lenders denied 64 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Converse County
In Converse County, lead originator Uniwyo Federal Credit Union funded only 6.6% of 256 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Converse County's 464 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Converse County's $201,767 average loan (deduped against volume peers).
Lenders active in Converse County
Uniwyo Federal Credit Union funded 17 of the 256 loans originated in Converse County, 6.6% of the county. 69 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Converse County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Converse County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.