CHEYENNE Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Cheyenne averaged
6.59%
for the week of 2024-10-24, compared to the national average of
6.54% for the same period.
The average rate for the prior week (2024-10-17) was
6.19% and
one month ago for the week of 2024-09-19, the
average rate was 6.04%.
Cheyenne's average rate one year ago was 7.38%.
For refis of the same type during the week of 2024-10-24, the average rate
was 7.14%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-24 | 6.54% |
Cheyenne 30 Year Fixed Rate | 2024-10-24 | 6.59% |
Cheyenne 30 Year Fixed Rate Refi | 2024-10-24 | 7.14% |
Cheyenne 15 Year Fixed Rate | 2024-10-24 | 5.51% |
Cheyenne 15 Year Fixed Rate Refi | 2024-10-24 | 5.71% |
Cheyenne 30 Year FHA | 2024-10-24 | 5.54% |
Cheyenne 30 Year FHA Refi | 2024-10-24 | 6.15% |
Cheyenne 30 Year USDA | 2024-10-24 | 6.19% |
Cheyenne 30 Year USDA Refi | 2024-10-24 | 6.49% |
Cheyenne 30 Year VA | 2024-10-24 | 6.05% |
Cheyenne 30 Year VA Refi | 2024-10-24 | 5.94% |
CHEYENNE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CHEYENNE, WY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
CHEYENNE Average Closing Costs & Other Stats
CHEYENNE, WY's 96 lenders originated 2,547
loans during 2023. The total origination value was $659,225,000, with an average loan value of
$258,824.
CHEYENNE's average closing costs are $5,846.
The top CHEYENNE lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
73 loans originated. Their average total fees are
$7,509, which is $1,176
lower than the next largest lender,
Wallick & Volk, Inc..
The lowest fee CHEYENNE lenders (with over 10 loans originated) are
West Gate Bank ($4,382), First National Bank of Omaha ($4,540), U.S. Bank ($4,777), CMG MORTGAGE, INC. ($4,866) and Meridian Trust Federal Credit Union ($4,927).
The lowest rate CHEYENNE lenders (with over 10 loans originated) are
First Interstate Bank (6.17%), CMG MORTGAGE, INC. (6.52%), U.S. Bank (6.53%), CORNERSTONE HOME LENDING, INC. (6.56%) and Meridian Trust Federal Credit Union (6.59%).
CHEYENNE, WY Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
Name | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
---|---|---|---|---|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $40,925,000 | $62,850,000 | 53.6% | 9.5% |
Wallick & Volk, Inc. | $63,910,000 | $52,115,000 | -18.5% | 7.9% |
Jonah Bank of Wyoming | $69,120,000 | $46,805,000 | -32.3% | 7.1% |
QUICKEN LOANS, LLC | $54,675,000 | $34,375,000 | -37.1% | 5.2% |
CROSSCOUNTRY MORTGAGE, LLC | $16,900,000 | $30,175,000 | 78.6% | 4.6% |
Wyoming Bank & Trust | $44,890,000 | $29,945,000 | -33.3% | 4.5% |
First Interstate Bank | $86,670,000 | $27,860,000 | -67.9% | 4.2% |
GUILD MORTGAGE COMPANY | $37,710,000 | $26,540,000 | -29.6% | 4.0% |
Prudential Huntoon Paige Associates, LLC | $24,365,000 | n/a | 3.7% | |
Blue Federal Credit Union | $29,200,000 | $21,110,000 | -27.7% | 3.2% |
Mortgage Research Center, LLC | $19,035,000 | $19,365,000 | 1.7% | 2.9% |
GREYSTONE SERVICING COMPANY LLC | $1,225,000 | $14,475,000 | 1,081.6% | 2.2% |
Meridian Trust Federal Credit Union | $32,850,000 | $13,865,000 | -57.8% | 2.1% |
CORNERSTONE HOME LENDING, INC. | $9,625,000 | $13,695,000 | 42.3% | 2.1% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $45,625,000 | $12,940,000 | -71.6% | 2.0% |
UNITED WHOLESALE MORTGAGE, LLC | $11,340,000 | $11,040,000 | -2.6% | 1.7% |
CMG MORTGAGE, INC. | $10,490,000 | $10,395,000 | -0.9% | 1.6% |
Platte Valley Bank | $16,870,000 | $9,925,000 | -41.2% | 1.5% |
U.S. Bank | $14,170,000 | $9,540,000 | -32.7% | 1.4% |
NAVY FEDERAL CREDIT UNION | $5,505,000 | $7,830,000 | 42.2% | 1.2% |
First National Bank of Omaha | $7,625,000 | $7,705,000 | 1.0% | 1.2% |
FirsTier Bank | $7,695,000 | n/a | 1.2% | |
Mr. Cooper ( Nationstar Mortgage ) | $4,895,000 | $7,365,000 | 50.5% | 1.1% |
West Gate Bank | $1,630,000 | $5,650,000 | 246.6% | 0.9% |
ANB Bank | $8,525,000 | $5,615,000 | -34.1% | 0.9% |
PENNYMAC LOAN SERVICES, LLC | $12,080,000 | $5,315,000 | -56.0% | 0.8% |
CENTENNIAL LENDING, LLC | $23,980,000 | $5,250,000 | -78.1% | 0.8% |
Pinnacle Bank - Wyoming | $8,965,000 | $4,645,000 | -48.2% | 0.7% |
WYHY | $5,090,000 | $4,565,000 | -10.3% | 0.7% |
NuVision Federal Credit Union | $3,835,000 | $4,365,000 | 13.8% | 0.7% |
BROKER SOLUTIONS, INC. | $5,490,000 | $4,055,000 | -26.1% | 0.6% |
USAA Federal Savings Bank | $6,755,000 | $3,930,000 | -41.8% | 0.6% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $750,000 | $3,800,000 | 406.7% | 0.6% |
JPMorgan Chase Bank | $7,075,000 | $3,580,000 | -49.4% | 0.5% |
Unify Home Lending Inc. | $3,350,000 | n/a | 0.5% | |
FREEDOM MORTGAGE CORPORATION | $14,825,000 | $3,330,000 | -77.5% | 0.5% |
WESTERN VISTA | $7,640,000 | $3,250,000 | -57.5% | 0.5% |
Wells Fargo Bank | $13,100,000 | $2,605,000 | -80.1% | 0.4% |
First Education Federal Credit Union | $3,155,000 | $2,370,000 | -24.9% | 0.4% |
GUARANTEED RATE, INC. | $1,930,000 | $2,330,000 | 20.7% | 0.4% |
PENTAGON FEDERAL CREDIT UNION | $1,075,000 | $2,280,000 | 112.1% | 0.3% |
TOWNE MORTGAGE COMPANY | $2,065,000 | n/a | 0.3% | |
The Federal Savings Bank | $6,605,000 | $2,040,000 | -69.1% | 0.3% |
NEWREZ LLC | $3,380,000 | $2,030,000 | -39.9% | 0.3% |
LOANDEPOT.COM, LLC | $11,860,000 | $1,995,000 | -83.2% | 0.3% |
NEW DAY FINANCIAL, LLC | $3,500,000 | $1,990,000 | -43.1% | 0.3% |
Discover Bank | $720,000 | $1,955,000 | 171.5% | 0.3% |
Servion, Inc. | $295,000 | $1,950,000 | 561.0% | 0.3% |
Glacier Bank | $2,075,000 | $1,900,000 | -8.4% | 0.3% |
The Huntington National Bank | $655,000 | $1,840,000 | 180.9% | 0.3% |
Century Mortgage Company DBA Century Lending Company | $1,805,000 | n/a | 0.3% | |
Gateway First Bank | $3,650,000 | $1,735,000 | -52.5% | 0.3% |
KeyBank | $945,000 | $1,725,000 | 82.5% | 0.3% |
AMERICAN FINANCIAL NETWORK, INC. | $1,705,000 | n/a | 0.3% | |
Colonial Savings, F.A. | $2,695,000 | $1,550,000 | -42.5% | 0.2% |
Truist | $735,000 | $1,425,000 | 93.9% | 0.2% |
CHURCHILL MORTGAGE CORPORATION | $510,000 | $1,410,000 | 176.5% | 0.2% |
ACADEMY MORTGAGE CORPORATION | $2,510,000 | $1,375,000 | -45.2% | 0.2% |
BMO Harris Bank | $1,340,000 | n/a | 0.2% | |
First National Bank | $630,000 | $1,140,000 | 81.0% | 0.2% |
MUTUAL OF OMAHA MORTGAGE, INC. | $2,260,000 | $1,105,000 | -51.1% | 0.2% |
RELIANCE FIRST CAPITAL, LLC | $155,000 | $1,025,000 | 561.3% | 0.2% |
First Western Trust Bank | $2,025,000 | $990,000 | -51.1% | 0.2% |
Carrington Mortgage Services, LLC | $1,285,000 | $980,000 | -23.7% | 0.1% |
Figure Lending LLC | $845,000 | $970,000 | 14.8% | 0.1% |
VILLAGE CAPITAL MORTGAGE | $1,425,000 | $945,000 | -33.7% | 0.1% |
AMERICAN FINANCING CORPORATION | $4,470,000 | $940,000 | -79.0% | 0.1% |
BAY EQUITY LLC | $1,170,000 | $925,000 | -20.9% | 0.1% |
Northpointe Bank | $1,385,000 | $915,000 | -33.9% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $900,000 | $885,000 | -1.7% | 0.1% |
M&T Bank | $365,000 | $775,000 | 112.3% | 0.1% |
Arvest Bank | $760,000 | n/a | 0.1% | |
Barrington Bank & Trust Company, N.A. | $125,000 | $710,000 | 468.0% | 0.1% |
Prosperity Home Mortgage, LLC | $705,000 | n/a | 0.1% | |
Armed Forces Bank | $1,215,000 | $695,000 | -42.8% | 0.1% |
NBKC BANK | $3,395,000 | $685,000 | -79.8% | 0.1% |
DEEPHAVEN MORTGAGE LLC | $680,000 | n/a | 0.1% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $935,000 | $680,000 | -27.3% | 0.1% |
MEGASTAR FINANCIAL CORP. | $505,000 | $660,000 | 30.7% | 0.1% |
Morgan Stanley Private Bank | $215,000 | $645,000 | 200.0% | 0.1% |
UBS Bank USA | $635,000 | n/a | 0.1% | |
Paramount Residential Mortgage Group, Inc. | $630,000 | n/a | 0.1% | |
GUARANTEED RATE AFFINITY, LLC | $485,000 | $615,000 | 26.8% | 0.1% |
American Mortgage & Equity Consultants, Inc. | $345,000 | $600,000 | 73.9% | 0.1% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $305,000 | $575,000 | 88.5% | 0.1% |
Bank of America | $2,815,000 | $560,000 | -80.1% | 0.1% |
Vantage Bank Texas | $555,000 | n/a | 0.1% | |
VERITAS FUNDING, LLC | $125,000 | $540,000 | 332.0% | 0.1% |
ON Q FINANCIAL, INC. | $535,000 | n/a | 0.1% | |
AMERISAVE MORTGAGE CORPORATION | $5,670,000 | $525,000 | -90.7% | 0.1% |
GUARANTY HOME MORTGAGE CORPORATION | $525,000 | n/a | 0.1% | |
LONGBRIDGE FINANCIAL, LLC | $515,000 | n/a | 0.1% | |
SUN WEST MORTGAGE COMPANY, INC. | $490,000 | n/a | 0.1% | |
Pinnacle Bank | $485,000 | n/a | 0.1% | |
CRESCENT MORTGAGE COMPANY | $625,000 | $475,000 | -24.0% | 0.1% |
LEADERONE FINANCIAL CORPORATION | $475,000 | n/a | 0.1% | |
FINANCE OF AMERICA REVERSE LLC | $310,000 | $470,000 | 51.6% | 0.1% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $855,000 | $470,000 | -45.0% | 0.1% |
NEXERA HOLDING LLC | $465,000 | n/a | 0.1% | |
Sierra Pacific Mortgage Company, Inc. | $445,000 | n/a | 0.1% | |
Deere Employees Credit Union | $435,000 | n/a | 0.1% | |
THOMPSON KANE & COMPANY, LLC | $435,000 | n/a | 0.1% | |
Umpqua Bank | $295,000 | $435,000 | 47.5% | 0.1% |
Flagstar Bank, FSB | $3,435,000 | $430,000 | -87.5% | 0.1% |
Bank of Colorado | $1,785,000 | $425,000 | -76.2% | 0.1% |
The Central Trust Bank | $335,000 | $425,000 | 26.9% | 0.1% |
First State Bank | $415,000 | n/a | 0.1% | |
DRAPER AND KRAMER MORTGAGE CORP. | $385,000 | n/a | 0.1% | |
North American Savings Bank, F.S.B. | $1,650,000 | $385,000 | -76.7% | 0.1% |
PLANET HOME LENDING, LLC | $1,020,000 | $385,000 | -62.3% | 0.1% |
SUMMIT FUNDING, INC. | $795,000 | $385,000 | -51.6% | 0.1% |
CANVAS CREDIT UNION | $5,160,000 | $375,000 | -92.7% | 0.1% |
Adams Bank & Trust | $5,365,000 | $365,000 | -93.2% | 0.1% |
DAS Acquisition Company, LLC | $285,000 | $365,000 | 28.1% | 0.1% |
GROUP MORTGAGE, LLC | $775,000 | $355,000 | -54.2% | 0.1% |
ALLIANT CREDIT UNION | $345,000 | n/a | 0.1% | |
Peoples Bank | $345,000 | n/a | 0.1% | |
Peak Financial | $125,000 | $340,000 | 172.0% | 0.1% |
UNIVERSAL LENDING CORPORATION | $490,000 | $340,000 | -30.6% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $2,210,000 | $335,000 | -84.8% | 0.1% |
Zions Bank | $1,150,000 | $335,000 | -70.9% | 0.1% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $530,000 | $330,000 | -37.7% | 0.1% |
Coastal Community Bank | $325,000 | n/a | 0.0% | |
Hilltop National Bank | $455,000 | $315,000 | -30.8% | 0.0% |
NBH Bank | $315,000 | n/a | 0.0% | |
Bank-Fund Staff Federal Credit Union | $295,000 | n/a | 0.0% | |
Nations Lending Corporation | $835,000 | $295,000 | -64.7% | 0.0% |
MOUNTAIN AMERICA | $570,000 | $290,000 | -49.1% | 0.0% |
Citadel Servicing Corporation | $285,000 | n/a | 0.0% | |
Frontier Bank | $275,000 | n/a | 0.0% | |
Farm Credit Mid-America, ACA | $455,000 | $265,000 | -41.8% | 0.0% |
CALCON MUTUAL MORTGAGE LLC | $235,000 | n/a | 0.0% | |
Independent Bank | $235,000 | n/a | 0.0% | |
MOVEMENT MORTGAGE, LLC | $1,325,000 | $235,000 | -82.3% | 0.0% |
Points West Community Bank | $165,000 | $230,000 | 39.4% | 0.0% |
Commerce Home Mortgage, Inc. | $530,000 | $215,000 | -59.4% | 0.0% |
The Loan Store, Inc. | $215,000 | n/a | 0.0% | |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $830,000 | $205,000 | -75.3% | 0.0% |
CARDINAL FINANCIAL | $1,015,000 | $195,000 | -80.8% | 0.0% |
V.I.P. MORTGAGE, INC. | $185,000 | n/a | 0.0% | |
BOKF | $1,345,000 | $165,000 | -87.7% | 0.0% |
GREENSTATE CREDIT UNION | $165,000 | n/a | 0.0% | |
TJC Mortgage, Inc. | $155,000 | $165,000 | 6.5% | 0.0% |
Wyndham Capital Mortgage, Inc. | $425,000 | $165,000 | -61.2% | 0.0% |
PHH Mortgage Corporation | $145,000 | n/a | 0.0% | |
AMERICAN INTERNET MORTGAGE, INC. | $1,105,000 | $135,000 | -87.8% | 0.0% |
GTE Federal Credit Union | $115,000 | n/a | 0.0% | |
Connexus Credit Union | $95,000 | n/a | 0.0% | |
Bethpage Federal Credit Union | $75,000 | n/a | 0.0% | |
CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
Bank of the West | $4,375,000 | $55,000 | -98.7% | 0.0% |
FOUR POINTS | $55,000 | n/a | 0.0% |
CHEYENNE's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 9.5% market share. In second place, with 7.9%, is Wallick & Volk, Inc., having originated $52,115,000 in loans. In third place, with 7.1%, is Jonah Bank of Wyoming, having originated $46,805,000 in loans. In fourth place, with 5.2%, is QUICKEN LOANS, LLC, having originated $34,375,000 in loans. In fifth place, with 4.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $30,175,000 in loans.
CHEYENNE, WY Average Rent (2023)
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Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
---|---|---|---|---|---|---|
82001 | Cheyenne, WY MSA | $660 | $750 | $940 | $1,340 | $1,600 |
82003 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
82005 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
82007 | Cheyenne, WY MSA | $700 | $800 | $1,000 | $1,420 | $1,700 |
82009 | Cheyenne, WY MSA | $630 | $730 | $910 | $1,290 | $1,550 |
82010 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
82050 | Cheyenne, WY MSA | $620 | $710 | $880 | $1,260 | $1,500 |
82052 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
82053 | Cheyenne, WY MSA | $660 | $750 | $940 | $1,340 | $1,600 |
82054 | Cheyenne, WY MSA | $680 | $770 | $980 | $1,390 | $1,620 |
82059 | Cheyenne, WY MSA | $780 | $870 | $1,080 | $1,540 | $1,820 |
82060 | Cheyenne, WY MSA | $640 | $740 | $920 | $1,310 | $1,570 |
82061 | Cheyenne, WY MSA | $630 | $730 | $910 | $1,290 | $1,550 |
82081 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
82082 | Cheyenne, WY MSA | $610 | $690 | $860 | $1,220 | $1,460 |
82210 | Cheyenne, WY MSA | $660 | $760 | $950 | $1,350 | $1,620 |
2022 Average & Median Rent Data Statistics
CHEYENNE, WY average 1BR rent: $756, median: $760
CHEYENNE, WY average 2BR rent: $945, median: $950
CHEYENNE, WY average 3BR rent: $1,344, median: $1,350
CHEYENNE, WY Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 1,602 | $506,140,000 | $315,943 |
Cash Out Refi | 324 | $67,050,000 | $206,944 |
Other | 300 | $25,950,000 | $86,500 |
Home Improvement | 174 | $14,080,000 | $80,920 |
Refi | 147 | $46,005,000 | $312,959 |
Cheyenne's most frequently cited loan purpose was Home Purchase, with 1,602 originations. The 2nd most popular reason was Cash Out Refi, with 324 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
6-7% | 774 | $223,290,000 | $288,488 |
5-6% | 656 | $191,590,000 | $292,058 |
7-8% | 431 | $122,485,000 | $284,188 |
Over 8% | 253 | $30,585,000 | $120,889 |
<2.5% | 125 | $6,705,000 | $53,640 |
4-5% | 59 | $9,645,000 | $163,475 |
2.5-3% | 11 | $2,865,000 | $260,455 |
3-4% | 9 | $2,005,000 | $222,778 |
During 2023, Cheyenne's most frequently originated rate bucket was 6-7%, with 774 originations.
Loan Sizing (CHEYENNE, WY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 1,104 | $323,100,000 | $292,663 |
$100,000 or less | 672 | $31,680,000 | $47,143 |
$100k-200k | 375 | $55,105,000 | $146,947 |
$400k-600k | 313 | $149,925,000 | $478,994 |
$600k-1000k | 72 | $49,070,000 | $681,528 |
$Over $1MM | 11 | $50,345,000 | $4,576,818 |
CHEYENNE's loan sizing saw the bucket of loans from $200k-400k with 1,104 originations, totaling $323,100,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 906 | $310,750,000 | $342,991 |
Under 20% | 542 | $25,600,000 | $47,232 |
60-80% | 377 | $125,865,000 | $333,859 |
20-40% | 256 | $31,430,000 | $122,773 |
40-60% | 161 | $73,255,000 | $455,000 |
Over 100% | 83 | $33,255,000 | $400,663 |
CHEYENNE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 906 originations, totaling $310,750,000 in origination value.