DSCR Loans in Natrona County, Wyoming
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 29 lenders made 155 investment-property loans in Natrona County, 19.4% of Wyoming's total. Dominick Prevete arranges DSCR loans across Natrona 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 $225,000.
Natrona County investor market at a glance
| Statistic | Natrona County | Wyoming | County rank |
|---|---|---|---|
| Investor loans | 155 | 797 | 2nd of 2 |
| Reporting lenders | 29 | 132 | 2nd of 2 |
| Loan volume | $30.4M | $293.9M | 2nd of 2 |
| Average loan | $196K | $369K | 2nd of 2 |
| Median loan | $175K | $225K | 2nd of 2 |
| Purchases | 71.6% | 65.0% | 2nd of 2 |
| Cash-out refinances | 5.2% | 10.8% | 2nd of 2 |
| 2–4 unit properties | 26.5% | 24.6% | 2nd of 2 |
| Top five lenders' share | 71.6% | 31.1% | 1st of 2 |
| Reported business-purpose | 67.7% | 58.0% | 1st of 2 |
Natrona County: closed-end loans on 1–4 unit investment properties. Natrona County's rank is highest first, among Wyoming's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Natrona County's investor loans.
What stands out in Natrona County
71.6% of Natrona County's investor loans were purchases, the lowest share of Wyoming's 2 counties with published data (statewide: 65.0%).
Refinances are a larger share here than in most of Wyoming. A DSCR refinance qualifies on the property's current rent.
The average investor loan in Natrona County was $196K, the lowest average of Wyoming's 2 counties with published data (statewide: $369K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
5.2% of Natrona County's investor loans were cash-out refinances, the lowest share of Wyoming's 2 counties with published data (statewide: 10.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Natrona County?
At HUD's fair market rent of $1,447 for a 3-bedroom in Natrona County, Wyoming, a rental covers its full DSCR payment up to a purchase price of about $225,000, with 20% down at the 7.25% starting rate (November 2026). Natrona County's median home value is $273,000; at that price the payment is $1,741 a month, so the property would need $1,750 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) | $1,045 / $1,447 / $1,747 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $273,000 |
| Median property taxes and effective rate | $1,645 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,741 |
| Rent needed to cover that payment | $1,750 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $325,000 |
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 Natrona County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Natrona County?
The most active investment-property lenders in Natrona County in 2025 HMDA data were Glacier Bank, Hilltop National Bank and Jonah Bank of Wyoming, out of 29 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 and matches each file to the one most likely to fund it.
Natrona County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 155 loans and $30.4M from 29 lenders. Glacier Bank led Natrona County with 45 loans, 29.0% of the county's total, and the average Natrona County loan of $196K compares with $369K across Wyoming.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glacier Bank | 45 | $8.8M | $195K | 77.8% |
| Hilltop National Bank | 26 | $5.0M | $194K | 65.4% |
| Jonah Bank of Wyoming | 24 | $5.4M | $227K | 79.2% |
| First Interstate Bank | 10 | $1.9M | $191K | 30.0% |
| Platte Valley Bank | 6 | $1.1M | $185K | 100.0% |
| WESTERN VISTA | 5 | $0.9M | $185K | 80.0% |
| Rocket Mortgage, LLC | 5 | $0.5M | $97K | 100.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.7M | $183K | 100.0% |
| KIND LENDING, LLC | 3 | $1.2M | $395K | 66.7% |
| First Federal Bank & Trust | 3 | $0.6M | $208K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.3M | $105K | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.4M | $220K | 100.0% |
| Ixonia Bank | 2 | $0.3M | $140K | 50.0% |
| UNIWYO FEDERAL CREDIT UNION | 2 | $0.1M | $60K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | $0.4M | $425K | 100.0% |
| UMB Bank, National Association | 1 | $0.4M | $385K | 100.0% |
| LIMA ONE CAPITAL, LLC | 1 | $0.3M | $315K | 100.0% |
| Points West Community Bank | 1 | $0.2M | $245K | 100.0% |
| T2 FINANCIAL LLC | 1 | $0.2M | $215K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $0.2M | $195K | 100.0% |
| Wyoming Bank & Trust | 1 | $0.2M | $185K | 100.0% |
| RPE Home, Inc | 1 | $0.2M | $175K | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | $0.2M | $175K | 0.0% |
| CENTENNIAL LENDING, LLC | 1 | $0.2M | $175K | 0.0% |
| WYHY | 1 | $0.2M | $155K | 100.0% |
5 Wyoming loans (0.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Natrona County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Natrona County CSV, all 25 lenders
What Natrona County's table can't show you: fit. Short-term financing is exempt from HMDA, so Natrona County's fix-and-flip and bridge lenders barely appear among its 29 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 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 Natrona County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Natrona County |
|---|---|---|---|
| Laramie County, WY | 191 | 58 | About 160 miles away |
| Larimer County, CO | 560 | 127 | About 175 miles away |
| Grand County, CO | 160 | 67 | About 200 miles away |
| Weld County, CO | 381 | 107 | About 210 miles away |
| Pennington County, SD | 157 | 46 | About 210 miles away |
| Yellowstone County, MT | 266 | 47 | About 220 miles away |
Run the coverage test on your Natrona County, Wyoming deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Natrona 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 — Natrona County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 29 lenders and 155 loans: 2025 HMDA loan-level data rolled up to Natrona County.
- Natrona County investor-lender dataset (CSV) — All 25 lenders in the Natrona County, Wyoming table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Natrona 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 Casper, WY MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Natrona 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.