DSCR Loans in Wyoming
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across 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. In 2025 HMDA data, 132 lenders made 797 investment-property loans in Wyoming; the most active are in the table below, and 2 counties have their own page.
Wyoming investor market at a glance
| Statistic | Wyoming | National | State rank |
|---|---|---|---|
| Investor loans | 797 | 553,332 | 49th of 51 |
| Reporting lenders | 132 | 4,120 | 47th of 51 |
| Loan volume | $293.9M | $190.57B | 47th of 51 |
| Average loan | $369K | $344K | 17th of 51 |
| Median loan | $225K | — | 22nd of 51 |
| Purchases | 65.0% | 59.2% | 10th of 51 |
| Cash-out refinances | 10.8% | 18.8% | 42nd of 51 |
| 2–4 unit properties | 24.6% | 17.3% | 12th of 51 |
| Top five lenders' share | 31.1% | 21.9% | 8th of 51 |
| Reported business-purpose | 58.0% | 70.8% | 45th of 51 |
Wyoming: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Wyoming
58.0% of Wyoming's investor loans were reported as business-purpose, the 7th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 31.1% of Wyoming's investor loans, the 8th-highest share of the 50 states and DC (national figure: 21.9%).
Five lenders write 31.1% of the loans here, so comparing written term sheets matters more.
10.8% of Wyoming's investor loans were cash-out refinances, the 10th-lowest share of the 50 states and DC (national figure: 18.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Who are the DSCR and investment-property lenders in Wyoming?
The most active investment-property lenders in Wyoming in 2025 HMDA data were Glacier Bank, Jonah Bank of Wyoming and Central Bank and Trust, out of 132 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 several that reported in Wyoming, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Wyoming's 2025 filings to closed-end loans on 1–4 unit investment properties: 797 loans totaling $0.29B across 132 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Glacier Bank | 78 | $16.6M | $212K | 78.2% |
| Jonah Bank of Wyoming | 53 | $13.8M | $261K | 83.0% |
| Central Bank and Trust | 40 | $11.0M | $275K | 50.0% |
| Rocket Mortgage, LLC | 39 | $8.1M | $208K | 59.0% |
| Fairway Independent Mortgage Corporation | 38 | $10.1M | $265K | 81.6% |
| Platte Valley Bank | 34 | $7.5M | $220K | 70.6% |
| Pinnacle Bank - Wyoming | 31 | $9.2M | $295K | 64.5% |
| Hilltop National Bank | 29 | $7.0M | $242K | 69.0% |
| First Interstate Bank | 28 | $6.1M | $216K | 53.6% |
| United Wholesale Mortgage | 26 | $5.7M | $219K | 65.4% |
| GUILD MORTGAGE COMPANY | 21 | $5.1M | $244K | 71.4% |
| First Federal Bank & Trust | 19 | $5.2M | $274K | 63.2% |
| HIGHMARK Federal Credit Union | 17 | $5.4M | $319K | 17.6% |
| NBH Bank | 16 | $41.8M | $2614K | 56.2% |
| Meridian Trust Federal Credit Union | 15 | $4.4M | $294K | 26.7% |
| KIND LENDING, LLC | 13 | $3.7M | $286K | 61.5% |
| GUARANTEED RATE, INC. | 12 | $7.4M | $613K | 66.7% |
| LITTLE HORN STATE BANK | 12 | $3.5M | $289K | 75.0% |
| ANB Bank | 12 | $2.2M | $180K | 75.0% |
| GENEVA FINANCIAL, LLC | 10 | $2.4M | $241K | 80.0% |
| UNIWYO FEDERAL CREDIT UNION | 10 | $2.1M | $209K | 30.0% |
| OriginPoint, LLC | 9 | $7.7M | $861K | 33.3% |
| U.S. Bank National Association | 9 | $4.4M | $494K | 33.3% |
| FIRSTIER BANK | 8 | $7.1M | $884K | 37.5% |
| THE LOAN STORE, INC. | 8 | $3.0M | $374K | 75.0% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 132 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Wyoming lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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.
DSCR loans by county in Wyoming
Each county page compares the county's 2025 HMDA investor-lending figures with Wyoming's and names its most active lenders. Counties are listed by investor loan count.
2 Wyoming counties have their own page so far.
- Laramie County191 loans
- Natrona County155 loans
- Albany County (fewer than 100 investor loans in 2025)65 loans
- Sheridan County (fewer than 100 investor loans in 2025)58 loans
- Teton County (fewer than 100 investor loans in 2025)54 loans
- Fremont County (fewer than 100 investor loans in 2025)46 loans
- Lincoln County (fewer than 100 investor loans in 2025)39 loans
- Park County (fewer than 100 investor loans in 2025)36 loans
- Campbell County (fewer than 100 investor loans in 2025)29 loans
- Sweetwater County (fewer than 100 investor loans in 2025)24 loans
- Platte County (fewer than 100 investor loans in 2025)13 loans
- Johnson County (fewer than 100 investor loans in 2025)10 loans
- Sublette County (fewer than 100 investor loans in 2025)10 loans
- Uinta County (fewer than 100 investor loans in 2025)10 loans
- Crook County (fewer than 100 investor loans in 2025)9 loans
- Hot Springs County (fewer than 100 investor loans in 2025)9 loans
- Carbon County (fewer than 100 investor loans in 2025)8 loans
- Converse County (fewer than 100 investor loans in 2025)7 loans
- Goshen County (fewer than 100 investor loans in 2025)5 loans
- Weston County (fewer than 100 investor loans in 2025)5 loans
- Big Horn County (fewer than 100 investor loans in 2025)4 loans
- Washakie County (fewer than 100 investor loans in 2025)4 loans
- Niobrara County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Wyoming deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a 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 — Wyoming's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 132 lenders and 797 loans: 2025 HMDA loan-level data.
- Wyoming investor-lender dataset (CSV) — Every Wyoming lender behind the table above, with volume, average loan and purchase share for each.
- Wyoming investor lending data, Dominick Prevete — The Wyoming table on its own, with the state's concentration figures and the method behind them.
- 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.