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, Phoenix, and Spokane among others. We have data for 19 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 an above 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 about average 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% | 4/21/24 |
| 30 Year Conventional Purchase | 5.92% | 4/21/24 |
| 30 Year Conventional Refi | 6.16% | 4/21/24 |
| 30 Year Cash-out Refi | 6.57% | 4/21/24 |
| 30 Year FHA Purchase | 6.80% | 4/21/24 |
| 30 Year FHA Refi | 6.96% | 4/21/24 |
| 30 Year VA Purchase | 5.79% | 4/21/24 |
| 30 Year VA Refi | 5.70% | 4/21/24 |
| 15 Year Conventional Purchase | 5.88% | 4/21/24 |
| 15 Year Conventional Refi | 5.89% | 4/21/24 |
| 15 Year Cash-out Refi | 5.89% | 4/21/24 |
| 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
636Origination Dollar Volume (All Markets)
$174,540,000Awards
Jonah Bank of Wyoming - 2022
Jonah Bank of Wyoming is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 240 | $69,120,000 | $288,000 | $7,119 | 4.42% |
| Laramie, WY (FHA|USDA|VA) | 174 | $47,830,000 | $274,885 | $7,044 | 4.29% |
| CASPER, WY (FHA|USDA|VA) | 158 | $40,670,000 | $257,405 | $5,486 | 4.55% |
| Outside of Metro Areas | 36 | $7,470,000 | $207,500 | $5,431 | 4.55% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,340,000 | $670,000 | $7,024 | 4.31% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $9,410 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,782 | 4.38% |
| Gillette, WY (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $5,077 | 4.34% |
| Rock Springs, WY (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $4,690 | 5.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $15,770 | 3.94% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,651 | 3.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $7,184 | 4.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $6,097 | 4.25% |
| Riverton, WY (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,282 | 4.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,396 | 5.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,149 | 3.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,878 | 5.13% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,693 | 4.50% |
| Evanston, WY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,208 | 6.25% |
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 | 504 | $132,100,000 | $262,103 | $5,659 | 4.49% |
| VA | 70 | $26,990,000 | $385,571 | $10,353 | 4.03% |
| FHA | 62 | $15,450,000 | $249,194 | $10,098 | 4.36% |
For 2022, Jonah Bank Of Wyoming's most frequently originated type of loan was Conventional, with 504 originations. Their 2nd most popular type was VA, with 70 originations.
Loan Reason
For 2022, Jonah Bank Of Wyoming's most frequently cited loan purpose was Home Purchase, with 519 originations. The 2nd most popular reason was Refi, with 67 originations.
Loan Duration/Length
For 2022, Jonah Bank Of Wyoming's most frequently cited loan duration was 30 Year, with 514 originations. The 2nd most popular length was 15 Year, with 46 originations.
Origination Fees/Closing Costs
Jonah Bank Of Wyoming's average total fees were $6,936, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 147 originations.
Interest Rates
During 2022, Jonah Bank Of Wyoming's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 194 originations.
Loan Sizing
2022 saw Jonah Bank Of Wyoming place emphasis on $200k-400k loans with 360 originations, totaling $103,440,000 in origination value.
Applicant Income
Jonah Bank Of Wyoming lent most frequently to those with incomes in the $50k-75k range, with 172 originations. The second most popular income band? $100k-150k, with 130 originations.
Applicant Debt to Income Ratio
Jonah Bank Of Wyoming lent most frequently to those with DTI ratios of 20-30%, with 122 originations. The next most common DTI ratio? 30-36%, with 105 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.17%
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 origination90.57%
Jonah Bank Of Wyoming has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 636 | $174,540,000 | $274,434 |