Wyoming Mortgage and Refinance Rates for July 2026

Written by

Andrew Dehan,

Edited by

Laurie Richards

Updated on Jul 08, 2026

On Wednesday, July 08, 2026, the national average 30-year fixed mortgage APR is 6.61%. The national average 30-year fixed refinance APR is 6.76%, according to Bankrate's latest survey of the nation's largest mortgage lenders.

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Wyoming mortgage and refinance rates today

Showing results for: Single-family home, 30 year fixed and 5 year ARM mortgages with all points options.

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Sage Home Loans 30 Year Fixed

NMLS #3304

Rate as of 7/8/26: 5.748%
APR: 5.967%
Points: 1.983
Monthly payment: $2,427
Upfront costs: $9,7438 year cost: $189,948
Customer score

Mutual of Omaha Mortgage 30 Year Fixed

NMLS #1025894

Rate as of 7/8/26: 5.875%
APR: 6.070%
Points: 1.538
Monthly payment: $2,461
Upfront costs: $8,6368 year cost: $193,053
Customer score

Tomo Mortgage 30 Year Fixed

NMLS #2059741

Rate as of 7/8/26: 5.875%
APR: 6.116%
Points: 1.992
Monthly payment: $2,467
Upfront costs: $9,9868 year cost: $194,033
Customer score

First Residential Independent Mortgage 30 Year Fixed

NMLS #1907

Rate as of 7/8/26: 5.875%
APR: 6.126%
Points: 1.813
Monthly payment: $2,461
Upfront costs: $11,0428 year cost: $195,459
Customer score

First Federal Bank 30 Year Fixed

NMLS #408902

Rate as of 7/8/26: 5.990%
APR: 6.169%
Points: 1.602
Monthly payment: $2,492
Upfront costs: $7,8598 year cost: $196,096
Customer score

Alliant Credit Union 30 Year Fixed

NMLS #197185

Rate as of 7/8/26: 6.000%
APR: 6.196%
Points: 1.835
Monthly payment: $2,494
Upfront costs: $8,5848 year cost: $197,153
Customer score

New American Funding 30 Year Fixed

NMLS #6606

Rate as of 7/8/26: 6.740%
APR: 6.972%
Points: 1.741
Monthly payment: $2,696
Upfront costs: $9,7428 year cost: $222,478
Customer score

First Federal Bank 5/6 Arm

NMLS #408902

Rate as of 7/8/26: 5.375%
APR: 6.187%
Points: 1.874
Monthly payment: $2,330
Upfront costs: $8,9908 year cost: $201,453
Customer score

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About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders' terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser's own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertisers phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $832,750 May Have Different Loan Terms: If you are seeking a loan for more than $832,750, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

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Current mortgage rates in Wyoming

As of Wednesday, July 08, 2026, current mortgage interest rates in Wyoming are 6.75% for a 30-year fixed mortgage and 5.38% for a 15-year fixed mortgage.

Mortgage rates started 2026 above 6.20%. Despite a brief drop below 6.20% in mid-January through early March, rates have ticked back up closer to 6.50%. Although mortgage rates are unpredictable and often fluctuate, experts predict they’ll remain above 6% for most of 2026.

Learn more: Latest mortgage rate forecast

Refinance rates in Wyoming

Mortgage refinance rates are holding steady and in line with purchase rates, which means that there isn’t much incentive to refinance unless your rate is well above 7%.

If you've owned your home in Wyoming for a long time though, you may have a good amount of equity now. With a cash-out mortgage refinance, you could take advantage of this asset to help further your financial goals.

Learn more: Why and how to do a cash-out refinance

Wyoming mortgage rates by loan type

Product	Interest Rate
30-Year Fixed Rate	6.75%
15-Year Fixed Rate	5.38%
30-Year Fixed Rate Jumbo	0.00%

Rates as of Wednesday, July 08, 2026 at 6:30 AM

Bankrate’s mortgage rates include national rate and APR averages; Bankrate Monitor (BRM) National Index rate averages; and “top offers”:
- National rate and APR averages: Displayed as daily and weekly averages, these rates and APRs are primarily collected from the 5 largest banks and thrifts across hundreds of markets in the U.S.
- Bankrate Monitor (BRM) National Index rate averages: Reported weekly, this long-standing survey collects rates from banks and thrifts across hundreds of markets in the U.S.
- “Top offers”: Displayed daily and weekly, these are an average of the rates listed first on our rate tables as advertised by our partners. The averages shown are based on the loan type and term selected.
You can compare national average mortgage rates to top offers to see how much you could save when shopping on Bankrate.

Learn more about how we collect, display and report mortgage rates.

Mortgage options in Wyoming

If you’re looking to get a mortgage in Wyoming, consider these loan options:

To qualify for a conventional loan, you’ll need a credit score of at least 620 and a debt-to-income (DTI) ratio of no more than 45%. If you make a down payment of less than 20%, you’ll need to pay for private mortgage insurance (PMI), as well.
If your credit history disqualifies you from a conventional loan, you might be eligible for a loan insured by the Federal Housing Administration (FHA). For this type of mortgage, you’ll need a credit score of at least 580 with a 3.5% down payment. As with a conventional loan, if you put down less than 20% on an FHA loan, you’ll be on the hook for mortgage insurance.
If you’re an eligible veteran or active-duty member of the military, you might qualify for a mortgage backed by the Department of Veterans Affairs (VA). A VA loan doesn’t require a down payment or mortgage insurance, but you do need to pay a funding fee.

Learn more: Types of home loans

First-time homebuyer programs in Wyoming

The Wyoming Community Development Authority (WCDA) offers mortgage programs to assist first-time homebuyers, along with down payment assistance and a mortgage credit certificate, all of which can help make homeownership more affordable for you. Here’s an overview of some options:

WCDA Standard First-Time Homebuyer loan: Through its lender partners, the WCDA offers a 30-year, fixed mortgage with a low interest rate to first-time buyers. To qualify, your income can’t exceed certain limits, and you can’t buy a home over a specific price, depending on the size of your household and where you end up buying.
Spruce Up loan: If you’re a first-time homebuyer and looking at a fixer-upper, consider a Spruce Up loan, which finances the purchase of the home and any renovations with one mortgage. This means you’ll have fewer closing costs than obtaining two separate loans.
Down payment assistance: If you need help making a down payment, the WCDA offers two assistance options worth exploring: a zero-interest deferred loan up to $15,000; or a 10-year fixed-rate, low-payment loan, also up to $15,000. Both loans require a minimum credit score of 620 and a minimum borrower contribution of $1,500.
Mortgage credit certificate (MCC): A mortgage credit certificate (MCC) allows you to claim a federal tax credit for the life of the loan. There may be fees involved, but if you plan to stay in the home for the long haul, they might be well worth the cost in tax savings.

Learn more: Wyoming first-time homebuyer programs

How to find the best mortgage rate in Wyoming for you

When shopping for a mortgage, be sure to compare at least three different lenders — research shows this exercise can save you thousands of dollars over the life of a loan. You might also want to read Wyoming lender reviews to get an idea of the customer experience with lenders in the state.

Step 1: Strengthen your credit score - 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.
Step 2: Determine your budget - To find the right mortgage, you’ll need a good handle on how much house you can afford.
Step 3: Know your mortgage options - There are a few different types of mortgages, some of which are easier to qualify for than others.
Step 4: Compare rates and terms from several lenders - Rate-shop with at least three different banks or mortgage companies.
Step 5: Get preapproved for a mortgage - Getting a mortgage preapproval is the only way to get accurate loan pricing for your specific situation.

Learn more: How to get a mortgage

Additional Wyoming mortgage resources

Wyoming loan limits by county: See the FHA and conforming loan limits for local cities and counties.
Wyoming mortgage lenders hub: Learn which lenders do business in Wyoming.
Wyoming homeowners insurance: Check out these homeowners insurance companies to choose the right policy for you.

Written by

Andrew Dehan Andrew Dehan

Former Senior Writer, Home Lending

Wyoming Mortgage and Refinance Rates for July 2026

Don't be like the 90% of buyers who overpay

Wyoming mortgage and refinance rates today

How Bankrate works

How Bankrate works

Get lender information

Compare personalized rates

Get matched with lenders

Current mortgage rates in Wyoming

Refinance rates in Wyoming

Wyoming mortgage rates by loan type

How Bankrate collects mortgage rates

Mortgage options in Wyoming

Wyoming conventional mortgages

Wyoming FHA loans

Wyoming VA loans

First-time homebuyer programs in Wyoming

How to find the best mortgage rate in Wyoming for you

Additional Wyoming mortgage resources

Article sources

Mortgage rates in other states