Jonah Bank Of Wyoming Mortgage Rates, Fees & Info
Casper, WYLEI: 549300R5DOGZK0VWYL76
Tax ID: 20-4993578
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Mortgage Data
Review & Overview
Jonah Bank Of Wyoming is a smaller bank specializing in Home Purchase loans. Jonah Bank Of Wyoming has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Cheyenne, Laramie, Casper, Fort Collins, and Sheridan among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Jonah Bank Of Wyoming has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Jonah Bank Of Wyoming is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 5.92% | 11/17/24 |
| 30 Year Conventional Refi | 6.16% | 11/17/24 |
| 30 Year Cash-out Refi | 6.57% | 11/17/24 |
| 30 Year FHA Purchase | 6.80% | 11/17/24 |
| 30 Year FHA Refi | 6.96% | 11/17/24 |
| 30 Year VA Purchase | 5.79% | 11/17/24 |
| 30 Year VA Refi | 5.70% | 11/17/24 |
| 15 Year Conventional Purchase | 5.88% | 11/17/24 |
| 15 Year Conventional Refi | 5.89% | 11/17/24 |
| 15 Year Cash-out Refi | 5.89% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Jonah Bank Of Wyoming Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
390Origination Dollar Volume (All Markets)
$112,350,000Awards
Jonah Bank of Wyoming - 2023
Jonah Bank of Wyoming is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Jonah Bank Of Wyoming's average 30 year fixed mortgage rate was
5.81%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.67%.
Relative Fees (Closing Costs)
Jonah Bank Of Wyoming's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,702.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CHEYENNE, WY (FHA|USDA|VA) | 153 | $46,805,000 | $305,915 | $6,585 | 6.01% |
| Laramie, WY (FHA|USDA|VA) | 110 | $30,860,000 | $280,545 | $6,643 | 5.71% |
| CASPER, WY (FHA|USDA|VA) | 87 | $21,745,000 | $249,943 | $5,628 | 6.48% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $4,885,000 | $977,000 | $3,238 | 7.43% |
| Outside of Metro Areas | 23 | $4,235,000 | $184,130 | $6,690 | 5.97% |
| Sheridan, WY (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $5,815 | 7.00% |
| Gillette, WY (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $13,297 | 7.17% |
| Riverton, WY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,424 | 5.79% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.25% |
| Evanston, WY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,893 | 5.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,315 | 6.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,196 | 5.25% |
| Sterling, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,622 | 6.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Jonah Bank of Wyoming based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 284 | $78,380,000 | $275,986 | $5,404 | 6.10% |
| FHA | 66 | $19,630,000 | $297,424 | $12,047 | 6.00% |
| VA | 40 | $14,340,000 | $358,500 | $7,348 | 5.88% |
For 2023, Jonah Bank Of Wyoming's most frequently originated type of loan was Conventional, with 284 originations. Their 2nd most popular type was FHA, with 66 originations.
Loan Reason
For 2023, Jonah Bank Of Wyoming's most frequently cited loan purpose was Home Purchase, with 345 originations. The 2nd most popular reason was Refi, with 22 originations.
Loan Duration/Length
For 2023, Jonah Bank Of Wyoming's most frequently cited loan duration was 30 Year, with 326 originations. The 2nd most popular length was Other, with 21 originations.
Origination Fees/Closing Costs
Jonah Bank Of Wyoming's average total fees were $6,702, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 99 originations.
Interest Rates
During 2023, Jonah Bank Of Wyoming's average interest rate for loans was 5.81%, while their most frequently originated rate bucket for loans was 5-6%, with 140 originations.
Loan Sizing
2023 saw Jonah Bank Of Wyoming place emphasis on $200k-400k loans with 214 originations, totaling $62,970,000 in origination value.
Applicant Income
Jonah Bank Of Wyoming lent most frequently to those with incomes in the $100k-150k range, with 103 originations. The second most popular income band? $75k-100k, with 90 originations.
Applicant Debt to Income Ratio
Jonah Bank Of Wyoming lent most frequently to those with DTI ratios of 30-36%, with 66 originations. The next most common DTI ratio? 20-30%, with 59 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.42%
Jonah Bank Of Wyoming has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.97%
Jonah Bank Of Wyoming has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 390 | $112,350,000 | $288,077 |