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The Best Rates Among Wyoming Mortgage Lenders
If you're looking for a place to begin shopping for a mortgage loan in Wyoming, the lenders below can be a good starting point. Interest rates for a standard 30-year home loan in Wyoming varied little among the state's top lenders. However, you should still shop around for closing costs and lender fees, which can vary by wide margins. Also consider the state-sponsored home financing programs offered through the Wyoming Community Development Authority. These include low-rate subsidized loan packages for first-time homebuyers, veterans and investors.
Best Mortgage Lender for First Time Homebuyers: First Interstate Bank
As the largest mortgage originator in the state of Wyoming, First Interstate Bank may be a convenient place to start shopping mortgages if you're in the market for your first home.
First-Time Purchase Mortgages in Wyoming
|First Interstate Bank||4.88%||5.05%||$847|
Estimates are for a $200,000 loan with the minimum down payment and a 740 credit score.
While First Interstate's mortgage rates don't appear to be the lowest at first glance, it's a state-approved lender that provides subsidized financing for moderate- to low-income homebuyers through the Wyoming Community Development Authority (WCDA). First-time borrowers who qualify can obtain reduced rates, tax credits and up to $10,000 in down payment financing.
Active-duty servicemembers and veterans may also be able to obtain below-market mortgage rates through First Interstate Bank's participation in the WCDA's Military Preference program. For first-time military homebuyers who already have enough saved to cover a down payment, this is a solid alternative to the well-known VA loan program.
Best Online Mortgage Lender: Quicken Loans
Despite operating mostly online, Quicken Loans is the second-largest originator of mortgage loans in Wyoming. It also carries the highest overall customer satisfaction rating from J.D. Power's nationwide survey of mortgage lenders, which suggests that the quality of Quicken's service isn't hampered by its lack of physical loan offices within Wyoming itself.
Quicken Mortgage Loans
|Loan Type||Rate||APR||Monthly P+I|
|30-Year VA Loan||4.50%||4.89%||$1,368|
Estimates are for a $200,000 purchase loan with a 20% down payment and 740 credit score. The APR and monthly costs for ARMs can increase based on changes in the index rate.
Quicken's home loan rates are average when compared to local Wyoming lenders, but this online lender offers a large array of mobile and online tools that allow you to upload documents and check the status of your application at any time. More traditional consumers may be skeptical of Quicken's online-only Rocket Mortgage platform, but the easy-to-use web interface has already amassed a years-long record of high customer satisfaction.
Best Lender for In-Person Service: Bank of the West
Bank of the West operates 23 physical branches located throughout Wyoming, tying Wells Fargo for the most of any mortgage lender in the state. However, Bank of the West has managed to avoid the breaches of customer trust that occurred at Wells Fargo. If you want to work face to face with a trusted mortgage broker, Bank of the West may be the safer choice.
Mortgage Products at Bank of the West
|Loan Type||Rate||APR||Monthly Payment|
|VA 30-Year Fixed||4.38%||4.63%||$809|
Estimates are for a $200,000 purchase loan with a 20% down payment and 740 credit score
According to its advertised rates, Bank of the West offers some of the most competitive mortgages in the state. On top of its competitive rates, Bank of the West provides an additional 0.125% interest rate discount for customers who establish a personal checking account and set up automatic mortgage payments from that balance.
Best Lender for a VA Home Loan: Jonah Bank of Wyoming
Jonah Bank of Wyoming offers the lowest VA loan rates of any lender we found in Wyoming, making it a good option for anyone that qualifies for the veteran-oriented VA home loan program.
Best VA Lenders in Wyoming
|Lender||Mortgage Rate||APR||Monthly P+I|
|Jonah Bank of Wyoming||3.88%||4.16%||$752|
|First Interstate Bank||4.13%||4.35%||$775|
Fixed-rate estimates are for a 30-year VA loan of $200,000 with a 0% down payment and credit score of 740.
Jonah Bank of Wyoming is another approved lender in the Wyoming Community Development Authority's first-time homebuyer program, which allows veterans to qualify for lower, subsidized rates. Additionally, Jonah Bank offers a more competitive interest rate on its VA loans when compared to VA mortgage products at other WCDA participant lenders. If you served in the armed forces and haven't bought a home yet, you'll qualify for either of Jonah Bank's low-rate programs.