Reverse mortgage in Wyoming
From HUD's own loan records, you can see who lends in Wyoming, where the loans are and who counsels there.
- In one year, Wyoming recorded 63 closed HECMs
- $405,500 Median home value counted by HUD
- Most HECMs in Wyoming came from Finance of America Reverse (17)
HUD's HECM data lists 63 closed reverse mortgages in Wyoming between September 2025 and August 2026, 0.3% of the 24,529 loans nationwide. Wyoming ranks 45th when compared with the 50 states and DC.
Of the total, 4 loans bought a home through HECM for Purchase, 3 refinanced an earlier HECM and 1 reached the $1,249,125 value cap.
Wyoming HECMs compared with national figures
The final two rows come from this calculator.
| Wyoming | Against all HECMs | |
|---|---|---|
| HECMs closed | 63 | 0.3% of all 24,529 |
| Median home value counted | $405,500 | $34,500 less |
| Median principal limit | $191,516 | $2,656 less |
| Principal limit as a share of value | 42.2% | 1.2 points lower |
| Median expected rate | 5.75% | 0.125 points lower |
| HECM for Purchase | 6.3% | 0.8 points higher |
| Refinanced HECMs | 4.8% | 6.1 points lower |
| Lenders with a loan here | 11 | of 34 nationwide |
| Age 70, median home with no mortgage: amount left after costs | $138,913 | $12,627 less |
| Usable in the first year at age 70 | $76,304 | $7,300 less |
HECM lenders in Wyoming, ranked by loan count
HECMs in Wyoming were sponsored by 11 lenders. Finance of America Reverse, Guild Mortgage and Mutual of Omaha Mortgage ranked as the top three. Together they made 40 of the 63 loans (63%). For a comparison, use the national ranking.
| Rank | Lender | HECMs | Share |
|---|---|---|---|
| 1 | Finance of America Reverse | 17 | 27% |
| 2 | Guild Mortgage | 13 | 20.6% |
| 3 |  | 10 | 15.9% |
| 4 | Longbridge Financial | 8 | 12.7% |
| 5 |  | 5 | 7.9% |
| 6 | PHH Mortgage | 3 | 4.8% |
| 7 |  | 2 | 3.2% |
| 8 |  | 2 | 3.2% |
| 9 | Cornerstone Capital Bank | 1 | 1.6% |
| 10 |  | 1 | 1.6% |
HECMs originated by local lenders and brokers in Wyoming
Wyoming HECM applications were taken by 20 companies. Beyond the national names above, the firms that originated the most were Hilltop National Bank (6), Xpert Home Lending (2) and Securitynational Mortgage Company (2). West Capital Lending (1) and Revolve Mortgage (1) also originated the most. New American Funding (1), Loandepot.com (1) and Innovative Mortgage Alliance (1) round out the group. These counts are of the company that originated each loan, while the ranking above counts the lender that sponsored it, so the two lists are not comparable.
Wyoming HECMs by location
Natrona County ranked first, counting 12 of the 63 loans, and was ahead of Laramie, which had 9. Cities with the most loans were Casper (10), Cheyenne (8), Gillette (7), Evanston (4) and Sheridan (4). City names are the mailing city on each HUD record and can reach into nearby counties, so a city's count need not match the county table.
| County | HECMs | Share |
|---|---|---|
| Natrona | 12 | 19% |
| Laramie | 9 | 14.3% |
| Campbell | 7 | 11.1% |
| Lincoln | 5 | 7.9% |
| Uinta | 4 | 6.3% |
| Sheridan | 4 | 6.3% |
HUD-approved counselors for reverse mortgages in Wyoming
On HUD's list, 1 agency provides reverse mortgage counseling from Wyoming. Their phone numbers appear in HUD's counselor search.
| City | Agency | How they counsel | Languages |
|---|---|---|---|
| Casper, WY | Wyoming Housing Network | phone, in person, video, online, group | English |
Property tax relief for older Wyoming homeowners
Property tax deferral in Teton County may apply to you when your income is limited, your age is above 62, and your principal residence, bought 10 years before applying, sits on less than 40 acres. Up to ½ of those taxes may be deferred. Interest applies. Dept. of Revenue - Tax Relief.
Who oversees reverse mortgage lenders in Wyoming
Mortgage lender and broker licensing in Wyoming is handled by the Wyoming Division of Banking. Division of Banking - Licensing and Renewal.
Data here comes from the HUD HECM portfolio snapshot, covering September 2025 to August 2026. See Every state.