Mortgage Approval and Denial Rates in Wyoming (2025 HMDA)
Mortgage denial rates in Wyoming: lenders acted on 21,740 mortgage applications in Wyoming in 2025 and denied 15.4% of them, down from 16.8% in 2024. The national denial rate was 17.7%.
Applications acted on
21,740
Loans originated
13,311
Denial rate
15.4%
Median loan
$235,000
Wyoming against the national picture
Most-reported denial reason in Wyoming: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Uinta County | 759 | 21.5% | $205,000 |
| Carbon County | 532 | 20.1% | $155,000 |
| Fremont County | 1,005 | 19.1% | $195,000 |
| Lincoln County | 932 | 19.1% | $285,000 |
| Goshen County | 390 | 19.0% | $165,000 |
| Johnson County | 248 | 17.3% | $240,000 |
| Teton County | 651 | 17.1% | $735,000 |
| Platte County | 343 | 16.9% | $195,000 |
| Crook County | 220 | 16.8% | $225,000 |
| Campbell County | 1,551 | 16.4% | $235,000 |
| Sweetwater County | 1,247 | 16.0% | $215,000 |
| Sublette County | 429 | 15.4% | $275,000 |
| Hot Springs County | 118 | 15.3% | $165,000 |
| Big Horn County | 289 | 15.2% | $205,000 |
| Weston County | 191 | 15.2% | $185,000 |
| Sheridan County | 1,117 | 14.5% | $285,000 |
| Washakie County | 183 | 14.2% | $185,000 |
| Natrona County | 3,568 | 14.1% | $205,000 |
| Converse County | 396 | 13.9% | $215,000 |
| Laramie County | 5,383 | 13.7% | $265,000 |
| Park County | 1,004 | 13.6% | $275,000 |
| Albany County | 1,132 | 12.4% | $255,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.