Home financing in Laramie County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Laramie County line, Cheyenne included, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Laramie County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 3
- DOORS HERE
- 2
- BASED HERE
- 12
- WY COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 101Kresidents of Laramie County
- Covers
- Cheyenne
- Elsewhere in WY
- Albany County →6 doors — the biggest list of any other county in Wyoming
- State
- Wyoming →12 of 23 counties hold a door in this lane
- Blue Credit UnionPersonal · Home · Business capital
- First Education Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Laramie County line. You can walk in.
- Uniwyo Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Laramie County.
home-purchase applications that reached a decision were turned down: 253 of 1,744.
- Applications
- 2,184
- Loans made
- 1,452
- Median rate
- 6.3%
- Too much debt for the income37.5%
- Credit history30.8%
- Information they couldn't verify11.9%
- Fairway Independent Mortgage4693794.5%6.3%
- Rocket Mortgage23517717.7%6%
- Jonah Bank of Wyoming1721482%6.1%
- Guild Mortgage1641233%6.5%
- United Shore Financial Services1601217.2%6%
- Mortgage Research Center1708125.7%6.3%
- Crosscountry Mortgage106701.4%6.2%
- American Pacific Mortgage90678.2%6.8%
- Blue Federal Credit Union83636%6.4%
- First Western Trust Bank79621.6%6.1%
The 10 lenders that made the most home loans in Laramie County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (16.7%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Laramie County holds about 100,512 people, most of them in and around Cheyenne, the state capital. Home buying here is shaped by government and military paychecks, new subdivisions spreading out from the city, older homes in the central neighborhoods, and rural acreage to the east. This guide covers how mortgages and home loans work in this market, who qualifies, what paperwork you need, which credit unions are based in the county, the state help available to first-time buyers, and the traps to skip.
It's a process, not a rejection.
Home financing is any loan tied to a house: a mortgage to buy one, a construction loan to build, a renovation loan to fix one up, or a loan against the equity you already have. For small investors, it also includes loans on a duplex or a few rental houses.
Laramie County's housing market follows its paychecks. State and federal jobs and F.E. Warren Air Force Base bring a steady flow of households that move in, buy, and sometimes move on a few years later when orders change.
That turnover is why VA loans are such a common tool here, and why rental demand stays real for small landlords.
Cheyenne has older homes in its central and south-side neighborhoods that suit buyers willing to do repair work, newer subdivisions on the edges of town, and acreage parcels and small towns like Pine Bluffs and Burns out east, where USDA rural home loans can come into play.
Winter matters here too. Wind, snow, and freeze cycles are hard on roofs, siding, and foundations, so inspections and repair budgets deserve real attention before you sign.
Forget what the banks say.
Mortgage lenders look at four things: steady income, your credit history, how much debt you carry compared to what you earn, and how much you can put down. In Laramie County, buyers who tend to qualify well include:
- 01Government
Military, and veteran households — veterans and active-duty members should ask about VA loans, which often require little or no down payment
- 02Tradesmen and contractors with two or more years of tax returns showing steady self-employment income
- 03Railroad
Trucking, and warehouse workers with consistent pay stubs
- 04Ranch and farm families buying in the eastern county, who may fit USDA Rural Development programs
- 05Small investors buying a duplex or a few rentals near the base and the city, who can show rental income history or a realistic rent estimate
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
A mortgage file is thicker than a business loan file. Start collecting now:
- 01Photo ID and your SSN or ITIN
- 02Two years of W-2s and recent pay stubs
Or two years of full tax returns if you are self-employed
- 03Two to three months of statements for every bank account, with any large deposits explained in writing
- 04Your DD-214 or Certificate of Eligibility if you are using a VA loan
- 05Proof of where your down payment comes from
Savings history, or a signed gift letter from family
- 06Rental history or 12 months of rent receipts if you have no mortgage history
- 07For investors
Existing leases, rent rolls, and records of what each property costs to run
- 08For rural or acreage purchases
Well and septic information, and any survey of the land
The doors worth knowing.
Two credit unions in our directory are based right here, and one more keeps a branch in the county. Credit unions based in the county: • Blue — a credit union based in Cheyenne.
ALL 3 DOORS, BY NAME AND BY TOWN- 3
- DOORS HERE
- 13
- ACROSS WY
Based in Cheyenne, Wyoming. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Cheyenne, Wyoming. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Laramie, Wyoming. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.
Don't fall into these traps.
these can work, but too often the buyer pays for years and loses everything after one missed payment. Have any such contract reviewed before you sign, and make sure it is recorded.
if you fall behind, anyone who asks for an upfront fee or asks you to sign over your deed to save your home is a red flag. Call a HUD-approved counselor instead.
Wyoming winters are hard on houses. An inspection that checks the roof, furnace, foundation, and plumbing is cheap compared to what it can save you.
being approved for a number does not mean you can carry it through a slow season. Budget for heating costs and repairs.
scammers send fake wiring instructions by email. Always confirm wiring details by phone with your title company, using a number you looked up yourself.
Everything below is set by Wyoming, and it reads the same in every county in it. The 3 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Wyoming has no state personal income tax, which helps your monthly budget, but property taxes and homeowners insurance still go into your payment. Ask the lender for the full monthly figure including taxes and insurance, not just principal and interest.
The Wyoming Community Development Authority's buyer programs run through approved lenders, so ask any lender you talk to whether it participates. Many of these programs require a homebuyer education course; take it early.
If you buy rental property, Wyoming's landlord-tenant rules are fairly brief compared to many states, which means your lease does a lot of the work. Use a written lease, keep records of deposits and repairs, and learn the basics before you take on tenants.
Recording of deeds and liens happens at the Laramie County Clerk. If you are buying land or acreage, check the record for easements, mineral rights, and water rights before closing, since those can affect what you can do with the property.
The short version.
- 01
Buying a home in Laramie County is tied to steady government, military, freight, and trades income. Veterans should look hard at VA loans, rural buyers at USDA, and first-time buyers at the Wyoming Community Development Authority's programs.
- 02
Start with the credit unions based in Cheyenne — Blue and First Education — or the Uniwyo branch, get free help from a HUD-approved counselor, and build credit first if you need to. Ask every door whether it lends to ITIN holders and whether it reports to the credit bureaus.
- 03
Origen Capital is a directory, not a lender. We do not collect your information or sell you anything. Use this guide as a starting point and work directly with the institution when you are ready.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN LARAMIE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN LARAMIE COUNTY →12WY COUNTIES WITH DOORSThe whole stateEvery county in Wyoming, in this same lane.13 institutions fund homes and repairs inside Wyoming county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.