Evanston Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Evanston averaged 7.16% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.74% and one month ago for the week of 2024-03-14, the average rate was 6.9%.

    Evanston's average rate one year ago was 6.43%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Evanston 30 Year Fixed Rate 2024-04-18 7.16%
    Evanston 30 Year Fixed Rate Refi 2024-04-18 7%
    Evanston 15 Year Fixed Rate 2024-04-18 6.49%
    Evanston 15 Year Fixed Rate Refi 2024-04-18 6.79%
    Evanston 30 Year FHA 2024-04-18 6.66%
    Evanston 30 Year FHA Refi 2024-04-18 6.76%
    Evanston 30 Year USDA 2024-04-18 6.66%
    Evanston 30 Year USDA Refi 2024-04-18 6.76%
    Evanston 30 Year VA 2024-04-18 6.56%
    Evanston 30 Year VA Refi 2024-04-18 6.56%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Evanston, WY.

    Evanston 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 Evanston, 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Glacier Bank 16 6.62% $6,159
    UNITED WHOLESALE MORTGAGE, LLC 13 6.68% $6,761
    QUICKEN LOANS, LLC 13 6.84% $6,947
    U.S. Bank 10 6.91% $6,133
    Wells Fargo Bank 5 6.88% $3,878
    CRESCENT MORTGAGE COMPANY 4 6.97% $6,616
    VAN DYK MORTGAGE CORPORATION 4 7.13% $2,602
    INTERCAP LENDING INC. 3 6.79% $11,700
    Unify Home Lending Inc. 2 6.50% $7,585
    ACADEMY MORTGAGE CORPORATION 2 6.69% $10,163
    Flanagan State Bank 2 7.31% $3,213
    LOANDEPOT.COM, LLC 2 7.00% $8,646
    Gateway First Bank 1 6.38% $5,716
    Cache Valley Bank 1 6.50% $3,669
    GUARANTEED RATE AFFINITY, LLC 1 6.00% $909
    GUILD MORTGAGE COMPANY 1 6.99% $3,617
    Jonah Bank of Wyoming 1 5.63% $5,893
    MOUNTAIN AMERICA 1 6.75% $6,574
    Mr. Cooper ( Nationstar Mortgage ) 1 7.13% $7,044
    NEWREZ LLC 1 5.99% $6,434
    BMO Harris Bank 1 6.88% $3,253
    SECURITYNATIONAL MORTGAGE COMPANY 1 8.12% $3,574
    The Central Trust Bank 1 7.62% $5,539
    UNION HOME MORTGAGE CORP. 1 5.88% $6,993
    BETTER MORTGAGE CORPORATION 1 4.75% $16,364
    BARTLETT MORTGAGE, INC. 1 7.38% $3,574
    Utah Mortgage Loan Corporation 1 6.75% $0
    Utah Power 1 5.00% $4,191
    AXIA FINANCIAL, LLC 1 7.50% $3,332
    CROSSCOUNTRY MORTGAGE, LLC 1 7.08% $6,269
    American Mortgage & Equity Consultants, Inc. 1 6.88% $6,520
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.13% $4,332
    Farm Credit Mid-America, ACA 1 6.63% $7,924
    First Federal Bank 1 7.50% $3,476

    Evanston Average Closing Costs & Other Stats

    Evanston, WY's 34 lenders originated 296 loans during 2023. The total origination value was $68,430,000, with an average loan value of $231,182.

    Evanston's average closing costs are $5,280.

    The top Evanston lender as defined by loan originations is Glacier Bank, with 16 loans originated. Their average total fees are $6,159, which is $602 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Evanston lenders (with over 10 loans originated) are U.S. Bank ($6,133), Glacier Bank ($6,159), UNITED WHOLESALE MORTGAGE, LLC ($6,761), QUICKEN LOANS, LLC ($6,947) and .

    The lowest rate Evanston lenders (with over 10 loans originated) are Glacier Bank (6.62%), UNITED WHOLESALE MORTGAGE, LLC (6.68%), QUICKEN LOANS, LLC (6.84%), U.S. Bank (6.91%) and .

    Evanston, 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
    Glacier Bank $12,225,000 $10,070,000 -17.6% 14.7%
    UNITED WHOLESALE MORTGAGE, LLC $4,935,000 $7,955,000 61.2% 11.6%
    QUICKEN LOANS, LLC $10,390,000 $5,205,000 -49.9% 7.6%
    U.S. Bank $3,025,000 $5,180,000 71.2% 7.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,830,000 $5,165,000 82.5% 7.5%
    CRESCENT MORTGAGE COMPANY $3,240,000 $2,990,000 -7.7% 4.4%
    21ST MORTGAGE CORPORATION $255,000 $2,940,000 1,052.9% 4.3%
    VAN DYK MORTGAGE CORPORATION $3,525,000 $2,460,000 -30.2% 3.6%
    Wells Fargo Bank $6,980,000 $2,045,000 -70.7% 3.0%
    ACADEMY MORTGAGE CORPORATION $1,935,000 $1,770,000 -8.5% 2.6%
    TrailWest Bank $1,765,000 n/a 2.6%
    Mortgage Research Center, LLC $2,050,000 $1,390,000 -32.2% 2.0%
    Unify Home Lending Inc. $1,255,000 n/a 1.8%
    Flanagan State Bank $720,000 $1,235,000 71.5% 1.8%
    INTERCAP LENDING INC. $215,000 $1,190,000 453.5% 1.7%
    MOUNTAIN AMERICA $6,745,000 $1,035,000 -84.7% 1.5%
    CORNERSTONE HOME LENDING, INC. $850,000 n/a 1.2%
    Gateway First Bank $820,000 n/a 1.2%
    Farm Credit Mid-America, ACA $725,000 n/a 1.1%
    GUARANTEED RATE AFFINITY, LLC $720,000 n/a 1.1%
    BMO Harris Bank $645,000 n/a 0.9%
    GUILD MORTGAGE COMPANY $540,000 $620,000 14.8% 0.9%
    Barrington Bank & Trust Company, N.A. $385,000 $540,000 40.3% 0.8%
    BETTER MORTGAGE CORPORATION $510,000 n/a 0.7%
    PENNYMAC LOAN SERVICES, LLC $1,850,000 $480,000 -74.1% 0.7%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $465,000 342.9% 0.7%
    LOANDEPOT.COM, LLC $845,000 $430,000 -49.1% 0.6%
    BARTLETT MORTGAGE, INC. $425,000 n/a 0.6%
    UNION HOME MORTGAGE CORP. $215,000 $420,000 95.3% 0.6%
    GUARANTEED RATE, INC. $410,000 n/a 0.6%
    American Mortgage & Equity Consultants, Inc. $405,000 n/a 0.6%
    WYHY $125,000 $405,000 224.0% 0.6%
    NEWREZ LLC $290,000 $345,000 19.0% 0.5%
    GOLDENWEST $330,000 n/a 0.5%
    First Federal Bank $475,000 $325,000 -31.6% 0.5%
    SECURITYNATIONAL MORTGAGE COMPANY $580,000 $320,000 -44.8% 0.5%
    Utah Power $1,060,000 $320,000 -69.8% 0.5%
    Jonah Bank of Wyoming $235,000 $315,000 34.0% 0.5%
    SUN WEST MORTGAGE COMPANY, INC. $310,000 n/a 0.5%
    LAKEVIEW LOAN SERVICING, LLC $135,000 $295,000 118.5% 0.4%
    Nations Lending Corporation $185,000 $295,000 59.5% 0.4%
    BROKER SOLUTIONS, INC. $1,145,000 $280,000 -75.5% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,455,000 $265,000 -81.8% 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $255,000 n/a 0.4%
    CITYWIDE HOME LOANS, LLC $265,000 $235,000 -11.3% 0.3%
    AXIA FINANCIAL, LLC $225,000 n/a 0.3%
    FREEDOM MORTGAGE CORPORATION $620,000 $205,000 -66.9% 0.3%
    Discover Bank $120,000 $190,000 58.3% 0.3%
    Bank of America $560,000 $155,000 -72.3% 0.2%
    Utah Mortgage Loan Corporation $225,000 $155,000 -31.1% 0.2%
    Cache Valley Bank $1,125,000 $145,000 -87.1% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $900,000 $145,000 -83.9% 0.2%
    Central Bank $135,000 n/a 0.2%
    The Central Trust Bank $135,000 n/a 0.2%
    Coastal Community Bank $105,000 n/a 0.2%
    Signature Federal Credit Union $55,000 n/a 0.1%
    Figure Lending LLC $65,000 $45,000 -30.8% 0.1%
    PENTAGON FEDERAL CREDIT UNION $95,000 $35,000 -63.2% 0.1%
    PNC Bank $35,000 n/a 0.1%
    Bank of the West $1,095,000 $25,000 -97.7% 0.0%
    WESTERN VISTA $25,000 n/a 0.0%

    Evanston's top lender by overall market share is Glacier Bank, with 14.7% market share. In second place, with 11.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,955,000 in loans. In third place, with 7.6%, is QUICKEN LOANS, LLC, having originated $5,205,000 in loans. In fourth place, with 7.6%, is U.S. Bank, having originated $5,180,000 in loans. In fifth place, with 7.5%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $5,165,000 in loans.

    Evanston Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Evanston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $188,225 (14.1%) $226,206 (15.9%) 0.00 82
    2018-02-01 $185,000 (9.0%) $221,444 (12.8%) 0.00 83
    2018-03-01 $187,000 (10.1%) $223,284 (11.4%) 0.00 83
    2018-04-01 $189,925 (11.8%) $236,147 (13.4%) 0.00 91
    2018-05-01 $194,900 (7.6%) $241,713 (10.9%) 0.00 94
    2018-06-01 $199,900 (5.7%) $234,736 (7.6%) 0.00 92
    2018-07-01 $199,225 (8.3%) $231,529 (5.3%) 0.00 95
    2018-08-01 $196,475 (9.5%) $224,168 (6.7%) 0.00 87
    2018-09-01 $187,450 (4.7%) $216,406 (-0.3%) 0.00 81
    2018-10-01 $197,425 (16.3%) $227,282 (5.6%) 0.00 85
    2018-11-01 $212,450 (28.0%) $229,284 (8.6%) 0.00 79
    2018-12-01 $204,750 (20.5%) $227,258 (8.8%) 0.00 79
    2019-01-01 $211,225 (12.2%) $221,380 (-2.1%) 0.00 75
    2019-02-01 $197,200 (6.6%) $217,138 (-1.9%) 0.00 71
    2019-03-01 $198,957 (6.4%) $221,284 (-0.9%) 0.00 69
    2019-04-01 $201,657 (6.2%) $227,272 (-3.8%) 0.00 72
    2019-05-01 $190,700 (-2.2%) $223,098 (-7.7%) 0.00 74
    2019-06-01 $189,900 (-5.0%) $254,792 (8.5%) 0.00 81
    2019-07-01 $189,900 (-4.7%) $240,267 (3.8%) 0.00 91
    2019-08-01 $192,300 (-2.1%) $239,858 (7.0%) 0.00 79
    2019-09-01 $196,575 (4.9%) $246,413 (13.9%) 0.00 70
    2019-10-01 $204,950 (3.8%) $258,369 (13.7%) 0.00 64
    2019-11-01 $205,000 (-3.5%) $268,580 (17.1%) 0.00 57
    2019-12-01 $197,500 (-3.5%) $269,540 (18.6%) 0.00 55
    2020-01-01 $195,000 (-7.7%) $274,252 (23.9%) 0.00 51
    2020-02-01 $219,000 (11.1%) $275,023 (26.7%) 0.00 49
    2020-03-01 $198,875 (0.0%) $280,559 (26.8%) 0.00 45
    2020-04-01 $229,450 (13.8%) $290,141 (27.7%) 0.00 51
    2020-05-01 $220,000 (15.4%) $276,935 (24.1%) 0.00 60
    2020-06-01 $217,475 (14.5%) $267,186 (4.9%) 0.00 67
    2020-07-01 $219,950 (15.8%) $243,619 (1.4%) 0.00 61
    2020-08-01 $215,000 (11.8%) $243,994 (1.7%) 0.00 42
    2020-09-01 $229,975 (17.0%) $249,001 (1.1%) 0.00 31
    2020-10-01 $205,000 (0.0%) $235,926 (-8.7%) 0.00 26
    2020-11-01 $207,500 (1.2%) $217,325 (-19.1%) 0.00 30
    2020-12-01 $213,750 (8.2%) $235,264 (-12.7%) 0.00 28
    2021-01-01 $220,000 (12.8%) $247,842 (-9.6%) 0.00 25
    2021-02-01 $225,950 (3.2%) $260,548 (-5.3%) 0.00 28
    2021-03-01 $255,475 (28.5%) $357,850 (27.6%) 0.00 28
    2021-04-01 $254,000 (10.7%) $354,602 (22.2%) 0.00 34
    2021-05-01 $284,500 (29.3%) $381,744 (37.9%) 0.00 34
    2021-06-01 $281,950 (29.7%) $391,872 (46.7%) 0.00 44
    2021-07-01 $314,500 (43.0%) $359,579 (47.6%) 0.00 50
    2021-08-01 $304,500 (41.6%) $369,068 (51.3%) 0.00 54
    2021-09-01 $282,800 (23.0%) $376,991 (51.4%) 0.00 45
    2021-10-01 $274,950 (34.1%) $390,961 (65.7%) 0.00 37
    2021-11-01 $261,738 (26.1%) $392,588 (80.7%) 0.00 34
    2021-12-01 $248,000 (16.0%) $391,597 (66.5%) 0.00 29
    2022-01-01 $269,000 (22.3%) $384,105 (55.0%) 0.00 18
    2022-02-01 $329,125 (45.7%) $457,487 (75.6%) 0.00 23
    2022-03-01 $399,925 (56.5%) $499,236 (39.5%) 0.00 26
    2022-04-01 $454,900 (79.1%) $534,702 (50.8%) 0.00 24
    2022-05-01 $450,000 (58.2%) $494,288 (29.5%) 0.00 39
    2022-06-01 $407,973 (44.7%) $474,521 (21.1%) 0.00 48
    2022-07-01 $409,500 (30.2%) $467,289 (30.0%) 0.00 51
    2022-08-01 $388,225 (27.5%) $449,845 (21.9%) 0.00 51
    2022-09-01 $372,475 (31.7%) $436,666 (15.8%) 0.00 53
    2022-10-01 $375,000 (36.4%) $421,812 (7.9%) 0.00 46
    2022-11-01 $389,050 (48.6%) $428,414 (9.1%) 0.00 45
    2022-12-01 $389,900 (57.2%) $405,709 (3.6%) 0.00 39
    2023-01-01 $354,656 (31.8%) $381,552 (-0.7%) 0.00 40
    2023-02-01 $349,975 (6.3%) $379,063 (-17.1%) 0.00 39
    2023-03-01 $353,750 (-11.6%) $381,279 (-23.6%) 0.00 32
    2023-04-01 $395,000 (-13.2%) $439,130 (-17.9%) 0.00 36
    2023-05-01 $397,225 (-11.7%) $456,351 (-7.7%) 0.00 39
    2023-06-01 $407,879 (0.0%) $463,386 (-2.4%) 0.00 43
    2023-07-01 $383,500 (-6.4%) $450,367 (-3.6%) 0.00 50
    2023-08-01 $379,000 (-2.4%) $495,762 (10.2%) 0.00 49
    2023-09-01 $359,950 (-3.4%) $470,198 (7.7%) 0.00 49
    2023-10-01 $332,475 (-11.3%) $466,018 (10.5%) 0.00 50
    2023-11-01 $343,225 (-11.8%) $454,104 (6.0%) 0.00 51
    2023-12-01 $359,500 (-7.8%) $491,288 (21.1%) 0.00 42
    2024-01-01 $358,450 (1.1%) $506,792 (32.8%) 0.00 37
    2024-02-01 $367,200 (4.9%) $565,279 (49.1%) 0.00 34
    2024-03-01 $355,000 (0.4%) $552,078 (44.8%) 0.00 38
    Evanston's median listing price for 2024-03-01 was $355,000, a difference of $1,250 (0.4%) versus the prior year and $-12,200 versus the prior month.

    Evanston's median listing price comes in at 0% of the national average.

    Evanston's average listing price for 2024-03-01 was $552,078, a difference of $170,799 (44.8%) versus the prior year and $-13,201 versus the prior month.

    For the 2024-03-01 period, Evanston had 38 MLS listings, a difference of 4 listings (12%) versus the prior month and 6 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Evanston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,899 sqft
    2018-02-01 0 days 1,878 sqft
    2018-03-01 0 days 1,950 sqft
    2018-04-01 0 days 2,056 sqft
    2018-05-01 0 days 2,059 sqft
    2018-06-01 0 days 2,043 sqft
    2018-07-01 0 days 2,078 sqft
    2018-08-01 0 days 2,099 sqft
    2018-09-01 0 days 2,114 sqft
    2018-10-01 0 days 2,064 sqft
    2018-11-01 0 days 2,121 sqft
    2018-12-01 0 days 2,080 sqft
    2019-01-01 0 days 2,079 sqft
    2019-02-01 0 days 2,048 sqft
    2019-03-01 0 days 2,000 sqft
    2019-04-01 0 days 2,064 sqft
    2019-05-01 0 days 2,030 sqft
    2019-06-01 0 days 1,810 sqft
    2019-07-01 0 days 1,872 sqft
    2019-08-01 0 days 1,862 sqft
    2019-09-01 0 days 1,848 sqft
    2019-10-01 0 days 1,870 sqft
    2019-11-01 0 days 1,886 sqft
    2019-12-01 0 days 1,900 sqft
    2020-01-01 0 days 1,857 sqft
    2020-02-01 0 days 1,842 sqft
    2020-03-01 0 days 1,842 sqft
    2020-04-01 0 days 2,085 sqft
    2020-05-01 0 days 1,876 sqft
    2020-06-01 0 days 2,004 sqft
    2020-07-01 0 days 2,039 sqft
    2020-08-01 0 days 1,728 sqft
    2020-09-01 0 days 1,855 sqft
    2020-10-01 0 days 1,854 sqft
    2020-11-01 0 days 1,743 sqft
    2020-12-01 0 days 1,767 sqft
    2021-01-01 0 days 1,747 sqft
    2021-02-01 0 days 1,754 sqft
    2021-03-01 0 days 1,854 sqft
    2021-04-01 0 days 1,938 sqft
    2021-05-01 0 days 1,976 sqft
    2021-06-01 0 days 2,278 sqft
    2021-07-01 0 days 2,219 sqft
    2021-08-01 0 days 2,215 sqft
    2021-09-01 0 days 2,117 sqft
    2021-10-01 0 days 2,087 sqft
    2021-11-01 0 days 2,101 sqft
    2021-12-01 0 days 1,972 sqft
    2022-01-01 0 days 2,087 sqft
    2022-02-01 0 days 2,098 sqft
    2022-03-01 0 days 2,440 sqft
    2022-04-01 0 days 2,495 sqft
    2022-05-01 0 days 2,392 sqft
    2022-06-01 0 days 2,286 sqft
    2022-07-01 0 days 2,224 sqft
    2022-08-01 0 days 2,235 sqft
    2022-09-01 0 days 2,237 sqft
    2022-10-01 0 days 2,204 sqft
    2022-11-01 0 days 2,221 sqft
    2022-12-01 0 days 2,133 sqft
    2023-01-01 0 days 2,112 sqft
    2023-02-01 0 days 2,112 sqft
    2023-03-01 0 days 2,142 sqft
    2023-04-01 0 days 2,201 sqft
    2023-05-01 0 days 2,358 sqft
    2023-06-01 0 days 2,372 sqft
    2023-07-01 0 days 2,101 sqft
    2023-08-01 0 days 2,000 sqft
    2023-09-01 0 days 2,039 sqft
    2023-10-01 0 days 1,953 sqft
    2023-11-01 0 days 1,991 sqft
    2023-12-01 0 days 1,944 sqft
    2024-01-01 0 days 1,933 sqft
    2024-02-01 0 days 2,008 sqft
    2024-03-01 0 days 2,183 sqft
    Evanston's median listing age (time on market) for 2024-03-01 was 0 days.

    Evanston's median square footage for active listings during the 2024-03-01 period was 2,183 sqft. One year prior, the average listing was 2,142 sqft.

    Evanston, WY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 199 $51,945,000 $261,030
    Cash Out Refi 34 $6,590,000 $193,824
    Other 24 $2,100,000 $87,500
    Refi 21 $6,495,000 $309,286
    Home Improvement 18 $1,300,000 $72,222

    Evanston's most frequently cited loan purpose was Home Purchase, with 199 originations. The 2nd most popular reason was Cash Out Refi, with 34 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 106 $29,040,000 $273,962
    5-6% 59 $12,655,000 $214,492
    7-8% 56 $13,630,000 $243,393
    Over 8% 48 $9,070,000 $188,958
    <2.5% 8 $280,000 $35,000
    4-5% 5 $1,575,000 $315,000
    2.5-3% 1 $165,000 $165,000

    During 2023, Evanston's most frequently originated rate bucket was 6-7%, with 106 originations.

    Loan Sizing (Evanston, WY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 123 $34,675,000 $281,911
    $100k-200k 70 $10,460,000 $149,429
    $100,000 or less 68 $2,900,000 $42,647
    $400k-600k 27 $12,325,000 $456,481
    $600k-1000k 6 $4,240,000 $706,667
    $Over $1MM 2 $3,830,000 $1,915,000

    Evanston's loan sizing saw the bucket of loans from $200k-400k with 123 originations, totaling $34,675,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 135 $38,205,000 $283,000
    60-80% 55 $16,545,000 $300,818
    Under 20% 46 $1,360,000 $29,565
    20-40% 34 $3,910,000 $115,000
    40-60% 16 $2,770,000 $173,125
    Over 100% 3 $825,000 $275,000

    Evanston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 135 originations, totaling $38,205,000 in origination value.