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2024 data HMDA 2024 disclosure official source

Laramie County

5,313 mortgage applications, 14.7% denial rate. Verify FIPS 56021 with U.S. Census Bureau →

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Wyoming · FIPS 56021

Local mortgage market. Laramie County, Wyoming saw 5,313 HMDA-reported mortgage applications in 2024. Lenders originated 2,910 of those loans and denied 780, producing a denial rate of 14.7% and an approval (origination) rate of 54.8%. The average loan amount was $264,893 at an average note rate of 6.78%, with applicants self-reporting average annual income of $39K. 178 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 56021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,313
Applications
2,910
Originated
14.7%
Denial Rate
54.8%
Approval Rate
$264,893
Avg Loan Amount
6.78%
Avg Interest Rate
$39K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Laramie 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 Fairway Independent Mort CORP 410 14.1%
2 Rocket Mortgage 214 7.4%
3 Wallick and Volk, INC. 180 6.2%
4 Guild Mortgage Company 154 5.3%
5 Jonah Bank 140 4.8%
Compare Fairway Independent Mort CORP vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Laramie County?
In the 2024 HMDA reporting year, 5,313 mortgage applications were filed in Laramie County, Wyoming. Of these, 2,910 were originated (approved and funded), while 780 were denied, resulting in a denial rate of 14.7%.
What is the mortgage denial rate in Laramie County?
The mortgage denial rate in Laramie County is 14.7%. The approval (origination) rate is 54.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Laramie County?
The average mortgage loan amount in Laramie County is $264,893. The average interest rate is 6.783%. The average applicant income is $39K.
What is the loan-to-income ratio in Laramie County?
The average loan-to-income ratio in Laramie County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Laramie County?
The top mortgage lenders in Laramie County by origination volume are Fairway Independent Mort CORP, Rocket Mortgage, Wallick and Volk, INC.. In total, 178 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.