WY · Statewide HMDA 2024
Wyoming mortgage lending
According to the CFPB HMDA 2024 Snapshot, 341 reporting lenders · 23 counties · 2 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Wyoming ranks #48 of 54 by application volume but #28 of 52 states with 10,000+ applications on origination share (53.2%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #28
- Origination-share rank of 52
- 53.2%
- Origination share
- 11,296
- Originated
- 14.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
21,230reported applications
CFPB HMDA state filing plate
State WY · Wyoming 14.8% denial
VOL-TRACE · DEN-LIGHT · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-TRACE #48/54
- DEN-LIGHT 14.8%
- NEAR-PEER Puerto Rico
- ORIG-FLOOR 53.2%
- BOOK-FULL 341 lenders
- LEAD-MIX 8% top
Photo-finish peer: Puerto Rico · 14.8% denial (+0.1pp vs Wyoming)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Wyoming
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Wyoming: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (14.8% here).
Similar application volume
Nearest states by HMDA applications filed (21,230 here).
Top lenders by originations · Wyoming
Funded loans among HMDA-reporting institutions active in this state.
Where Wyoming sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
21,230 11th percentile higher than 11% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Wyoming
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Wyoming filed 21,230 HMDA-reported applications in 2024 (#48 of 54 by volume) with a 14.8% denial rate - 2.4pp below the national 17.2% baseline. White applicants (15,099 apps) show 15.6% denial; Joint applicants (358 apps) show 17.6% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Wyoming
Top HMDA-reporting lenders active in Wyoming. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 952 | 8.4% |
| 2 | United Wholesale Mortgage | 657 | 5.8% |
| 3 | Fairway Independent Mort CORP | 577 | 5.1% |
| 4 | Guild Mortgage Company | 574 | 5.1% |
| 5 | Glacier Bank | 506 | 4.5% |
Reported outcomes by applicant race in Wyoming
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 15,099 | 62.0% | 15.6% |
| Joint | 358 | 59.8% | 17.6% |
| American Indian or Alaska Native | 217 | 40.5% | 30.4% |
| Asian | 178 | 51.7% | 19.7% |
| Black or African American | 132 | 57.6% | 18.2% |
| Native Hawaiian or Other Pacific Islander | 33 | 42.4% | 18.2%sample too small to read |
| 2 or more minority races | 11 | 36.4% | 36.4%sample too small to read |
Every county in Wyoming, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Laramie County | 5,313 | 2,910 | 14.7% | $264,893 |
| Natrona County | 3,472 | 2,004 | 14.3% | $216,215 |
| Campbell County | 1,552 | 660 | 13.3% | $236,611 |
| Albany County | 1,180 | 710 | 11.5% | $268,669 |
| Sweetwater County | 1,126 | 625 | 18.2% | $224,050 |
| Sheridan County | 1,063 | 476 | 14.2% | $315,480 |
| Fremont County | 987 | 483 | 16.5% | $217,057 |
| Park County | 985 | 557 | 11.7% | $277,061 |
| Lincoln County | 809 | 439 | 14.2% | $351,724 |
| Uinta County | 688 | 351 | 20.2% | $209,041 |
| Teton County | 560 | 284 | 18.2% | $1,483,375 |
| Carbon County | 506 | 254 | 13.2% | $188,063 |
| Converse County | 464 | 256 | 13.8% | $201,767 |
| Goshen County | 367 | 202 | 14.2% | $203,529 |
| Sublette County | 349 | 206 | 14.9% | $308,123 |
| Platte County | 314 | 169 | 13.7% | $206,624 |
| Big Horn County | 286 | 147 | 15.4% | $209,301 |
| Crook County | 249 | 120 | 16.9% | $272,430 |
| Johnson County | 233 | 120 | 15.0% | $250,193 |
| Washakie County | 223 | 116 | 10.3% | $207,287 |
| Weston County | 212 | 84 | 18.4% | $176,509 |
| Hot Springs County | 120 | 55 | 15.0% | $183,333 |
| Niobrara County | 49 | 25 | 20.4% | $143,980 |
Metro Areas in Wyoming
Frequently Asked Questions
How many mortgage applications were filed in Wyoming?
Where does Wyoming sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Wyoming?
What is the average mortgage loan amount in Wyoming?
How many mortgage lenders operate in Wyoming?
How do mortgage denial rates vary by demographics in Wyoming?
Which counties in Wyoming have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.