Compare Wyoming Mortgage and Refinance Rates Today

Wyoming mortgage rates can vary depending on the lender and the type of loan. The average 30-year fixed mortgage rate in Wyoming is around 4.5%.

The rates can fluctuate based on the economy and other market factors. A 15-year fixed mortgage rate in Wyoming averages around 4%.

The rates for refinancing a mortgage in Wyoming are also available. You can refinance your mortgage to get a lower interest rate and save money on your monthly payments.

As of February 26, 2025, current mortgage interest rates in Wyoming are 6.94% for a 30-year fixed mortgage and 6.23% for a 15-year fixed mortgage.

The median single-family home price in Wyoming was $320,512 as of February 2024, up 4.6 percent year-over-year. This has led to a more difficult affordability situation in the state, especially with elevated mortgage rates.

However, not every area in Wyoming is experiencing the same level of price increases. Cheyenne saw just a 1.3 percent year-over-year increase, while Casper saw a 5.8 percent decrease in median home sale prices.

Wyoming mortgage rates are expected to remain higher than recent historical lows for the foreseeable future.

Here is a summary of current mortgage rates in Wyoming:

Wyoming homeowners have more tappable equity now, with an average increase of $26,000 in the past year. This means they can tap into that asset to help further their financial goals.

To refinance your mortgage in Wyoming, you can consider a cash-out mortgage refinance, which allows you to take advantage of your increased equity.

Recommended read: Equity Loan Rates Ny

Options for refinancing in Wyoming are plentiful, but it's essential to find the right one for your situation. You could take advantage of the average increase of $26,000 in tappable equity that many Wyoming homeowners have experienced in the past year.

A cash-out mortgage refinance is a great option, but it's crucial to find the lowest rate possible to save money. The best option is often a no cost refi, which allows you to switch to a new mortgage with a lower rate without paying the fees associated with closing a new loan.

Refinance rates can vary by state, and in Wyoming, you can expect to find different rates for different loan programs. You can check Wyoming rates daily to ensure you're getting the lowest possible rate.

For more insights, see: New Day Mortgage Rates

Here are some common mortgage options in Wyoming:

To get started, it's a good idea to get pre-qualified by a licensed Wyoming lender before you start your home search. This will help you figure out how much you can afford and set yourself up for success.

If you're considering refinancing your home loan in Wyoming, it's worth looking at the top refinance lenders in the state by volume.

First Interstate Bank takes the top spot with 54 loans, followed closely by Uniwyo Federal Credit Union with 46 loans.

Pinnacle Bank - Wyoming comes in third with 25 loans, while Glacier Bank has 22 loans.

Rocket Mortgage, LLC and Meridian Trust Federal Credit Union are tied with 21 and 20 loans, respectively.

Blue Federal Credit Union rounds out the top 7 with 19 loans, while Finance Of America Reverse LLC has 17 loans.

Jonah Bank Of Wyoming and U.S. Bank complete the top 10 with 15 and 14 loans, respectively.

Here are the top refinance lenders in Wyoming by volume:

To find the best mortgage rate in Wyoming, you'll want to start by understanding the current rates. Today's mortgage rates in Wyoming are 6.676% for a 30-year fixed, 5.717% for a 15-year fixed, and 7.139% for a 5-year adjustable-rate mortgage (ARM).

To get the best rate, it's essential to compare rates and terms from several lenders. Rate-shop with at least three different banks or mortgage companies to find the best deal.

Here's a breakdown of the current mortgage rates in Wyoming:

Getting a mortgage preapproval is also crucial to get accurate loan pricing for your specific situation. This will give you a clear idea of how much you can afford and what rates are available to you.

Wyoming mortgage rates can fluctuate daily, making it essential to stay informed about current rates. The most common types of home loans in Wyoming are included in the daily updated table.

The APR, or Annual Percentage Rate, takes into account both the interest rate and lender fees, providing a more realistic value comparison. This helps you make a more accurate comparison of mortgage rates and APRs in Wyoming.

By comparing week-over-week changes to mortgage rates and APRs, you can make a more informed decision about your mortgage options.

Related reading: Mortgage Rates Daily Trend

If you're considering buying a home in Wyoming, it's essential to compare mortgage rates and loan types to find the best option for your situation.

The most popular cities in Wyoming for homebuyers are Cheyenne, Casper, Gillette, Laramie, and Sheridan.

To get a better understanding of the current mortgage market in Wyoming, let's take a look at the most affordable counties to buy a home in. According to recent data, Campbell, Niobrara, Weston, Big Horn, and Hot Springs are the most affordable counties.

The median home sales price in Wyoming is $320,512, as of February 2024. This is an important number to consider when determining your budget for buying a home.

To put a down payment on a home in Wyoming, you'll need to save up around $51,125, on average.

If you're considering owning a home in Wyoming, you're in good company. The homeownership rate in Wyoming is a respectable 74.5%, as of Q4 2023.

Here's a comparison of mortgage rates in Wyoming by loan type, updated daily for your convenience:

Comparing mortgage lenders side by side is crucial to finding the right one for your needs. Bankrate's comparison tool allows you to review lenders based on various factors, and the top two lenders shown are Garden State Home Loans and Homefinity.

Garden State Home Loans offers a wide range of loan options, including conventional, jumbo, FHA, VA, USDA, and refinancing. They also have a minimum credit score requirement, but it's not specified in the article.

Homefinity, on the other hand, is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.S. They offer convenient online services, including up-to-the-minute rates and calculators to help estimate your homebuying budget.

If you're looking for a lender with dedicated service and competitive rates, Garden State Home Loans might be a good choice. However, their availability is limited to a handful of states, including California, Florida, and New York.

For another approach, see: Mortgage One Rates

Here's a comparison of the two lenders:

Keep in mind that both lenders have similar minimum down payment requirements, ranging from 3% to 0% depending on the loan type.

To find the best mortgage rate in Wyoming, it's essential to take a few steps before even starting your search.

Strengthening your credit score is a crucial step, as it can significantly impact your mortgage rate. Long before you start looking for a mortgage lender or applying for a loan, give your finances a checkup, and improve your credit score if needed.

Knowing your budget is also vital, as it will help you determine how much house you can afford. To find the right mortgage, you'll need a good handle on your finances.

Comparing rates and terms from several lenders is a must, as it will give you a clear picture of the market. Rate-shop with at least three different banks or mortgage companies to get the best deal.

Getting preapproved for a mortgage is the only way to get accurate loan pricing for your specific situation. This step will give you an idea of how much you can borrow and what your monthly payments will be.

Broaden your view: Best Credit Union Mortgage Rates

If you're considering a mortgage in Wyoming, you'll want to explore your options carefully. Garden State Home Loans is a lender that doesn't solely work with borrowers in New Jersey, but also lends in a handful of other states, including California, Florida, and New York.

Garden State Home Loans offers a range of loan options, including conventional, jumbo, FHA, VA, USDA, refinancing, and more. They have a minimum credit score requirement, but it's not specified in the article.

Homefinity is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.S. They offer many of the perks of an online lender, including up-to-the-minute rates and calculators to help you estimate your homebuying budget.

Here are some key facts about these lenders: