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2024 data HMDA 2024 disclosure official source

Natrona County

3,472 mortgage applications, 14.3% denial rate. Verify FIPS 56025 with U.S. Census Bureau →

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Wyoming · FIPS 56025

Local mortgage market. Natrona County, Wyoming saw 3,472 HMDA-reported mortgage applications in 2024. Lenders originated 2,004 of those loans and denied 498, producing a denial rate of 14.3% and an approval (origination) rate of 57.7%. The average loan amount was $216,215 at an average note rate of 6.72%, with applicants self-reporting average annual income of $38K. 128 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 56025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,472
Applications
2,004
Originated
14.3%
Denial Rate
57.7%
Approval Rate
$216,215
Avg Loan Amount
6.72%
Avg Interest Rate
$38K
Avg Applicant Income
5.7x
Loan-to-Income Ratio

Nearby Lenders in Natrona 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 Western Vista Federal Credit Union 199 9.9%
2 Guild Mortgage Company 199 9.9%
3 Hilltop National Bank 185 9.2%
4 Wallick and Volk, INC. 142 7.1%
5 Rocket Mortgage 125 6.2%
Compare Western Vista Federal Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Natrona County?
In the 2024 HMDA reporting year, 3,472 mortgage applications were filed in Natrona County, Wyoming. Of these, 2,004 were originated (approved and funded), while 498 were denied, resulting in a denial rate of 14.3%.
What is the mortgage denial rate in Natrona County?
The mortgage denial rate in Natrona County is 14.3%. The approval (origination) rate is 57.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Natrona County?
The average mortgage loan amount in Natrona County is $216,215. The average interest rate is 6.723%. The average applicant income is $38K.
What is the loan-to-income ratio in Natrona County?
The average loan-to-income ratio in Natrona County is 5.7x, meaning borrowers took on loans averaging 5.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Natrona County?
The top mortgage lenders in Natrona County by origination volume are Western Vista Federal Credit Union, Guild Mortgage Company, Hilltop National Bank. In total, 128 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.