WYHY
WYHY received 387 applications in 2025 and made 253 mortgages, in 21 counties across 3 states. The median rate its borrowers got was 8.000% on a median loan of $75,000. Of 292 decisions, 39 were denials — 13.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004JDNBZNOT8PR69 |
|---|---|
| Applications received | 387 |
| Mortgages made | 253 |
| Denied | 39 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 95 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.607 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 16 | 5.750% | $260,000 | 0.0% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Cash-out refinancing | 78 | 8.000% | $85,000 | 6.0% |
| Other purposes | 150 | 8.500% | $60,000 | 15.7% |
Where WYHY lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Natrona County, WY | 96 | 8.000% | 16.5% |
| Laramie County, WY | 82 | 8.000% | 14.6% |
| Sweetwater County, WY | 28 | 8.500% | 3.5% |
| Uinta County, WY | 14 | 8.000% | 0.0% |
| Converse County, WY | 10 | 7.875% | 9.1% |
| Albany County, WY | 4 | Under 10 loans | 20.0% |
| Sheridan County, WY | 4 | Under 10 loans | 0.0% |
| Sublette County, WY | 4 | Under 10 loans | 0.0% |
| Campbell County, WY | 2 | Under 10 loans | 33.3% |
| Fremont County, WY | 2 | Under 10 loans | 0.0% |
| Weld County, CO | 1 | Under 10 loans | 0.0% |
| Carbon County, WY | 1 | Under 10 loans | 66.7% |
| Goshen County, WY | 1 | Under 10 loans | 0.0% |
| Hot Springs County, WY | 1 | Under 10 loans | 0.0% |
| Lincoln County, WY | 1 | Under 10 loans | 0.0% |
| Washakie County, WY | 1 | Under 10 loans | 0.0% |
| Weston County, WY | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 0 | Under 10 loans | Not published |
| Clark County, WA | 0 | Under 10 loans | Not published |
| Platte County, WY | 0 | Under 10 loans | Not published |
| Teton County, WY | 0 | Under 10 loans | Not published |
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When WYHY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.