Hot Springs County
Wyoming · FIPS 56017
According to CFPB HMDA 2024 application volume among U.S. counties, Hot Springs County ranks #2,792 of 3,210, and #22 of 23 in Wyoming.
Mortgage lending activity in Hot Springs 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. Hot Springs County, Wyoming saw 120 HMDA-reported mortgage applications in 2024. Lenders originated 55 of those loans and denied 18, producing a denial rate of 15.0% and an approval (origination) rate of 45.8%. The average loan amount was $183,333 at an average note rate of 6.81%, with applicants self-reporting average annual income of $37K. 24 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 Hot Springs County
In Hot Springs County, lead originator Pinnacle Bank - Wyoming funded 23.6% of 55 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 41.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Hot Springs County's 120 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hot Springs County's $183,333 average loan (deduped against volume peers).
Lenders active in Hot Springs County
Pinnacle Bank - Wyoming funded 13 of the 55 loans originated in Hot Springs County, 23.6% of the county. 24 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Pinnacle Bank - Wyoming | 13 | 23.6% |
| 2 | Rocket Mortgage | 7 | 12.7% |
| 3 | Kind Lending, LLC | 3 | 5.5% |
| 4 | Mortgage Research Center | 3 | 5.5% |
| 5 | Fairway Independent Mort CORP | 3 | 5.5% |
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; does not constitute financial advice for Hot Springs County borrowers.
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 Hot Springs County 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. 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.