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2024 data HMDA 2024 disclosure official source

Sublette County

349 mortgage applications, 14.9% denial rate. Verify FIPS 56035 with U.S. Census Bureau →

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Wyoming · FIPS 56035

Local mortgage market. Sublette County, Wyoming saw 349 HMDA-reported mortgage applications in 2024. Lenders originated 206 of those loans and denied 52, producing a denial rate of 14.9% and an approval (origination) rate of 59.0%. The average loan amount was $308,123 at an average note rate of 7.32%, with applicants self-reporting average annual income of $38K. 51 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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 56035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

349
Applications
206
Originated
14.9%
Denial Rate
59.0%
Approval Rate
$308,123
Avg Loan Amount
7.32%
Avg Interest Rate
$38K
Avg Applicant Income
8.1x
Loan-to-Income Ratio

Nearby Lenders in Sublette 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 United Wholesale Mortgage 63 30.6%
2 Rocket Mortgage 26 12.6%
3 Glacier Bank 21 10.2%
4 Guild Mortgage Company 9 4.4%
5 NBH Bank 5 2.4%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Sublette County?
In the 2024 HMDA reporting year, 349 mortgage applications were filed in Sublette County, Wyoming. Of these, 206 were originated (approved and funded), while 52 were denied, resulting in a denial rate of 14.9%.
What is the mortgage denial rate in Sublette County?
The mortgage denial rate in Sublette County is 14.9%. The approval (origination) rate is 59.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sublette County?
The average mortgage loan amount in Sublette County is $308,123. The average interest rate is 7.324%. The average applicant income is $38K.
What is the loan-to-income ratio in Sublette County?
The average loan-to-income ratio in Sublette County is 8.1x, meaning borrowers took on loans averaging 8.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sublette County?
The top mortgage lenders in Sublette County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Glacier Bank. In total, 51 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.