Applications / Mortgage Analytics / Lenders / Wyoming / First Federal Bank & Trust
Sheridan, WY · Savings institution · OCC · $611 million assets · 188 loans in 2025
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188
loans originated, 2025
234
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank & Trust, a Wyoming savings institution, lends mostly to home buyers and is moving into markets far from home.
Purchases were 76.1% of its loans. FHA loans (insured by the Federal Housing Administration) were 6.4% and VA loans (guaranteed by the Department of Veterans Affairs) 3.2%. The typical similar lender (savings institutions making between half and twice as many loans) made none. Its typical loan, $315,000, was larger than at about three-quarters of them.
It first reported in 2021, with 716 loans, then 372 in 2022 and 213 in 2023. It filed no report for 2024, so there is no change from last year to give. Its 188 loans in 2025 were more than at about six in ten similar lenders.
It ranks 22 of 314 lenders in non-metro Wyoming. In Billings its share rose to 1.9%, ranking 15 of 201, behind Stockman Bank of Montana. In 2025 it made its first loans in Ogden, Austin-Round Rock-San Marcos, Cape Coral-Fort Myers, San Antonio-New Braunfels and Lincoln.
It denied 1.8% of first-lien home-purchase applications, against 7.3% at similar lenders, among the lowest twentieth of the 40 with a rate. It made no loans in majority-minority neighborhoods, which may reflect the make-up of the places where it lends.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Federal Bank & Trust took 234 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.1% · Refinance 14.9% · Other 4.8% · Home improvement 4.3%
Conventional 90.4% · FHA 6.4% · VA 3.2% · of 188 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wyoming | 102 | 54.3% |
| Montana | 79 | 42.0% |
| Texas | 2 | 1.1% |
| Florida | 1 | 0.5% |
| North Dakota | 1 | 0.5% |
| Nebraska | 1 | 0.5% |
| Utah | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Billings | 76 |
| Casper | 5 |
| Austin-Round Rock-San Marcos | 1 |
| Bismarck | 1 |
| Cape Coral-Fort Myers | 1 |
| Lincoln | 1 |
| Ogden | 1 |
| San Antonio-New Braunfels | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UFC85SQD8XYU52 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 387671 | 2022–2023 |
Established 16 October 1935. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: First Federal Bank & Trust's data.
First Federal Bank & Trust's data
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