2025 · Wyoming
In 2025, 739 investment-property loans worth $283M were originated on single-family 1-4 unit homes in Wyoming. Here's how those terms compared to the rest of the country.
Investor rate premium
75 bps
U.S. median: 76 bps
Denial rate
12.1%
U.S. median: 17.5%
DSCR / business-purpose
59%
U.S. median: 72%
Median LTV
73%
U.S. median: 74%
Since 2024 in Wyoming
Rate premium
88 bps → 75 bps
-13 bpsInvestor loans
611 → 739
+20.9%Denial rate
14.7% → 12.1%
-2.5 ptsDSCR / business-purpose
61% → 59%
-2.3 ptsInvestors in Wyoming borrowed at a median rate of 7%, versus 6.25% for owner-occupants — a 75 bps premium that ranks 36th of 51 states.
Their applications were denied 12.1% of the time. The leading reasons for denial were collateral, other, debt-to-income ratio.
59% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 13% were cash-out refinances. The typical loan-to-value was 73%, implying about 27% down.
In 2025, the median investment-property loan in Wyoming carried a rate of 7% versus 6.25% for an owner-occupant — a premium of 75 bps. That ranks 36th of 51 states (1 = highest premium).
12.1% of investment-property applications were denied in Wyoming in 2025, the 41st-highest denial rate among the 51 states. The most common denial reasons were collateral, other, debt-to-income ratio.
59% of investor loans in Wyoming were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (45th of 51). The median loan-to-value was 73%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.