In Wyoming, the highest FHA denial rates among major lenders in 2025 belonged to Freedom Mortgage Corporation (26.8%), Rocket Mortgage (23.1%), United Wholesale Mortgage (11.8%).Wyoming’s FHA denial rate in 2025 was 17.5% across 2,975 decisioned applications — ranking #48 of 52 states. Among high-volume lenders, the lowest observed denial rate was Gold Star Mortgage Financial Gro at 1.8%; the highest was Freedom Mortgage Corporation at 26.8%. The institutional spread inside Wyoming is 14.9×: the same FHA application faces a 1.8% observed denial rate at one high-volume door and 26.8% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Wyoming FHA apps | Denial rate |
|---|---|---|
| Gold Star Mortgage Financial Gro | 112 | 1.8% |
| Crosscountry Mortgage, LLC | 100 | 3.0% |
| Fairway Independent Mort Corp | 265 | 6.0% |
| Guild Mortgage Company | 265 | 6.4% |
| United Wholesale Mortgage | 330 | 11.8% |
| Rocket Mortgage | 273 | 23.1% |
| Freedom Mortgage Corporation | 138 | 26.8% |
Applications under $150K were denied 34.4% of the time versus 13.9% for loans of $250K+ — a 2.5× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.
Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.