DSCR Loans in Laramie County, Wyoming
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 58 lenders made 191 investment-property loans in Laramie County, 24.0% of Wyoming's total. Dominick Prevete arranges DSCR loans across Laramie County, Wyoming, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $265,000.
Laramie County investor market at a glance
| Statistic | Laramie County | Wyoming | County rank |
|---|---|---|---|
| Investor loans | 191 | 797 | 1st of 2 |
| Reporting lenders | 58 | 132 | 1st of 2 |
| Loan volume | $62.6M | $293.9M | 1st of 2 |
| Average loan | $328K | $369K | 1st of 2 |
| Median loan | $255K | $225K | 1st of 2 |
| Purchases | 72.3% | 65.0% | 1st of 2 |
| Cash-out refinances | 11.5% | 10.8% | 1st of 2 |
| 2–4 unit properties | 34.0% | 24.6% | 1st of 2 |
| Top five lenders' share | 45.5% | 31.1% | 2nd of 2 |
| Reported business-purpose | 54.5% | 58.0% | 2nd of 2 |
Laramie County: closed-end loans on 1–4 unit investment properties. Laramie County's rank is highest first, among Wyoming's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Laramie County's investor loans.
What stands out in Laramie County
72.3% of Laramie County's investor loans were purchases, the highest share of Wyoming's 2 counties with published data (statewide: 65.0%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
34.0% of Laramie County's investor loans financed a 2–4 unit property, the highest share of Wyoming's 2 counties with published data (statewide: 24.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The median investor loan in Laramie County was $255K, the highest median of Wyoming's 2 counties with published data (statewide: $225K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Laramie County?
At HUD's fair market rent of $1,700 for a 3-bedroom in Laramie County, Wyoming, a rental covers its full DSCR payment up to a purchase price of about $265,000, with 20% down at the 7.25% starting rate (November 2026). Laramie County's median home value is $348,700; at that price the payment is $2,213 a month, so the property would need $2,225 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,228 / $1,700 / $2,053 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $348,700 |
| Median property taxes and effective rate | $1,980 (0.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,213 |
| Rent needed to cover that payment | $2,225 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $265,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Laramie County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Laramie County?
The most active investment-property lenders in Laramie County in 2025 HMDA data were Fairway Independent Mortgage Corporation, Central Bank and Trust and Platte Valley Bank, out of 58 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Laramie County, and matches each file to the one most likely to fund it.
Laramie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 191 loans and $62.6M from 58 lenders. Fairway Independent Mortgage Corporation led Laramie County with 24 loans, 12.6% of the county's total, and the average Laramie County loan of $328K compares with $369K across Wyoming.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Fairway Independent Mortgage Corporation | 24 | $7.2M | $299K | 87.5% |
| Central Bank and Trust | 20 | $7.6M | $378K | 60.0% |
| Platte Valley Bank | 18 | $4.6M | $256K | 50.0% |
| Jonah Bank of Wyoming | 15 | $4.3M | $284K | 86.7% |
| GENEVA FINANCIAL, LLC | 10 | $2.4M | $241K | 80.0% |
| Pinnacle Bank - Wyoming | 8 | $3.5M | $440K | 87.5% |
| FIRSTIER BANK | 7 | $7.1M | $1008K | 42.9% |
| United Wholesale Mortgage | 7 | $2.6M | $366K | 85.7% |
| First Interstate Bank | 5 | $1.1M | $221K | 100.0% |
| First National Bank | 4 | $1.2M | $305K | 100.0% |
| GUILD MORTGAGE COMPANY | 4 | $1.2M | $293K | 50.0% |
| Meridian Trust Federal Credit Union | 4 | $1.0M | $258K | 75.0% |
| Rocket Mortgage, LLC | 4 | $0.8M | $208K | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | $0.6M | $208K | 0.0% |
| CMG MORTGAGE, INC. | 2 | $0.8M | $425K | 50.0% |
| WESTERN VISTA | 2 | $0.6M | $305K | 100.0% |
| Blue Federal Credit Union | 2 | $0.6M | $300K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.6M | $285K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $265K | 100.0% |
| RIVERSTONE BANK | 2 | $0.5M | $265K | 100.0% |
| Wyoming Bank & Trust | 2 | $0.5M | $260K | 100.0% |
| Financial Funding Solutions, Inc. | 2 | $0.5M | $255K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.5M | $235K | 100.0% |
| U.S. Bank National Association | 2 | $0.5M | $225K | 100.0% |
| Easy Street Capital, LLC | 2 | $0.4M | $205K | 0.0% |
5 Wyoming loans (0.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Laramie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Laramie County CSV, all 25 lenders
What Laramie County's table can't show you: fit. Short-term financing is exempt from HMDA, so Laramie County's fix-and-flip and bridge lenders barely appear among its 58 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Laramie County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Laramie County |
|---|---|---|---|
| Weld County, CO | 381 | 107 | Borders Laramie County |
| Larimer County, CO | 560 | 127 | Borders Laramie County |
| Boulder County, CO | 495 | 128 | About 90 miles away |
| Adams County, CO | 587 | 148 | About 100 miles away |
| Natrona County, WY | 155 | 29 | About 160 miles away |
| Pennington County, SD | 157 | 46 | About 210 miles away |
Run the coverage test on your Laramie County, Wyoming deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Laramie County, Wyoming property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Laramie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 191 loans: 2025 HMDA loan-level data rolled up to Laramie County.
- Laramie County investor-lender dataset (CSV) — All 25 lenders in the Laramie County, Wyoming table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Laramie County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Cheyenne, WY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Laramie County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.