First Northern Bank of Wyoming is proud to be the oldest bank in Wyoming and still independent and family owned. This means that all of our loan decisions are local and fast. We know our customers and we treat each customer individually. From auto loans to home loans, we have you covered. 

Our Lending Services

We offer many types of loans including:

Personal Loans

Use personal loans to consolidate debt, make a big purchase, or anything else you need the money for.

Auto Loans

Before you purchase a new vehicle, stop by and speak with one of our loan officers. We can prequalify you before you even look at vehicles. That means you'll know ahead of time the vehicle that best fits within your budget, and we offer competitive rates to save you money.

Long Term Mortgage Loans

Whether you are purchasing your dream house or just refinancing, we're a full service mortgage bank with an experienced staff offering expertise in every area of the long term mortgage lending process. All of our lending specialists are dedicated to finding the right loan with the best rates, terms and costs to meet your unique needs. We also know that sometimes rural and small ranch property doesn't fit traditional mortgage requirements, which is why we are proud to offer the RuraLiving Home Mortgage Program.

Home Equity Loans

Lock in a fixed rate on your home equity loan and maintain a fixed payment. Use the money for anything from bill consolidation to purchasing a new car. Additionally, the interest you pay may be tax deductible. Speak with your tax advisor for further details.

Home Equity Lines of Credit

Use your home equity line of credit to borrow against the equity you have in your home. Use it for anything from home improvements to family vacations. This is generally a more cost-effective way to borrow than other higher rate forms of credit such as credit cards. Additionally, the interest you pay may be tax deductible. Speak with your tax advisor for further details.

* You must apply in person at your local branch for a home equity line of credit.

Home Construction Loans

Building the home of your dreams? First Northern Bank offers construction loans, which are short-term loans that are repaid from permanent financing. Don't worry; we have you covered there, too. First Northern Bank also offers permanent financing options.

To get started or to inquire about rates, speak with one of our personal banking loan officers today.

All credit and loans products are subject to credit approval. Other fees may apply. 

Our Lenders


For personal loans, contact Bob McBride or Cody Laird

For home loans, contact Bryan Serres or Cindy Kremers.


For personal loans, contact Justin West, Jack Moss or Todd Greig

For home loans, contact Autumn Morris.


For personal loans, contact Justin Holcomb or Josh Pierce.

For home loans contact Wendy Hauck, Brian EllisShari Patterson or Ashley Jastren.


  • Simple Loan: Enter the desired payment - and let us calculate your loan amount. Or, enter the loan amount and we will calculate your monthly payment. 
  • Enhanced Loan: Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term. 
  • Complex Loan: Use this calculator to determine your payment or loan amount for different payment frequencies. 
  • Biweekly Payments: This calculator shows you possible savings by using an accelerated bi-weekly mortgage payment. 
  • Auto Rebate: Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. 

First Northern Bank of Wyoming - NMLS # 402576