A small and patchy record
It filed no report from 2018 to 2022. Those are gaps in the record, not idle years; since 2020 a bank making fewer than 100 closed-end loans a year need not report. It made 21 loans in 2023, 24 in 2024 and 18 in 2025.
Applications / Mortgage Analytics / Lenders / Wyoming / RNB State Bank
RNB State Bank
Rawlins, WY · State member bank · FRS · $287 million assets · 18 loans in 2025
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18
loans originated, 2025
30
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RNB State Bank, a Wyoming bank renamed from The Rawlins National Bank in 2019, made 18 home loans in 2025, fewer than most similar lenders.
A down year
Loans fell 25%, while similar lenders, state member banks making between half and twice as many loans, saw a 16% fall. On 18 loans, a handful either way makes a swing that size. Its typical loan, $145,000, was down from $285,000 in 2024 and below peers' $335,000, another figure a few loans can move.
A Wyoming lender
Its main markets are non-metro Wyoming, where it has lent since 2005, and non-metro Colorado. It ranked 145 of 314 lenders in non-metro Wyoming, a market United Wholesale Mortgage leads. All its loans were conventional; purchases were 44.4% and refinances 33.3%. On 18 loans, its shares of lending in poorer or minority neighborhoods are too small to read much into.
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, 2023–2025
18 loans in 2025, against a peak of 24 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. RNB State Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
44.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 44.4% · Refinance 33.3% · Other 16.7% · Home improvement 5.6%
Conventional 100.0% · of 18 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
2 states, 3 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Wyoming | 12 | 66.7% |
| Colorado | 6 | 33.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 2 |
| Greeley | 2 |
| Fort Collins-Loveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001FRVJW21ARMV74 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 548052 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15413 | 2005–2016 |
Established 1 January 1898. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: RNB State Bank's data.
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