Evanston Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Evanston averaged 6.63% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.65% and one month ago for the week of 2025-01-09, the average rate was 7.09%.

    Evanston's average rate one year ago was 6.5%.

    For refis of the same type during the week of 2025-02-13, the average rate was 6.97%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Evanston 30 Year Fixed Rate 2025-02-13 6.63%
    Evanston 30 Year Fixed Rate Refi 2025-02-13 6.97%
    Evanston 15 Year Fixed Rate 2025-02-13 6.29%
    Evanston 15 Year Fixed Rate Refi 2025-02-13 6.29%
    Evanston 30 Year FHA 2025-02-13 6.52%
    Evanston 30 Year FHA Refi 2025-02-13 6.62%
    Evanston 30 Year USDA 2025-02-13 6.43%
    Evanston 30 Year USDA Refi 2025-02-13 6.73%
    Evanston 30 Year VA 2025-02-13 6.43%
    Evanston 30 Year VA Refi 2025-02-13 6.23%
    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 $209,900 (10.5%) $250,118 (-0.1%) 0.00 129
    2018-02-01 $199,450 (2.7%) $249,070 (-4.0%) 0.00 126
    2018-03-01 $212,400 (3.9%) $260,853 (-1.4%) 0.00 124
    2018-04-01 $223,650 (-4.8%) $278,161 (6.2%) 0.00 137
    2018-05-01 $242,000 (0.5%) $293,676 (4.9%) 0.00 145
    2018-06-01 $246,750 (5.9%) $294,447 (8.9%) 0.00 154
    2018-07-01 $249,900 (10.1%) $299,368 (9.0%) 0.00 171
    2018-08-01 $236,475 (7.5%) $291,541 (6.2%) 0.00 163
    2018-09-01 $230,000 (2.3%) $285,902 (3.6%) 0.00 158
    2018-10-01 $252,975 (9.9%) $288,622 (4.6%) 0.00 170
    2018-11-01 $259,900 (33.6%) $298,924 (12.3%) 0.00 157
    2018-12-01 $259,000 (36.4%) $296,814 (20.9%) 0.00 140
    2019-01-01 $249,900 (19.1%) $300,897 (20.3%) 0.00 124
    2019-02-01 $249,900 (25.3%) $306,209 (22.9%) 0.00 123
    2019-03-01 $254,214 (19.7%) $319,374 (22.4%) 0.00 126
    2019-04-01 $259,900 (16.2%) $340,201 (22.3%) 0.00 133
    2019-05-01 $259,450 (7.2%) $340,404 (15.9%) 0.00 138
    2019-06-01 $262,450 (6.4%) $360,649 (22.5%) 0.00 151
    2019-07-01 $264,900 (6.0%) $369,722 (23.5%) 0.00 172
    2019-08-01 $272,627 (15.3%) $376,216 (29.0%) 0.00 169
    2019-09-01 $276,718 (20.3%) $381,334 (33.4%) 0.00 162
    2019-10-01 $284,900 (12.6%) $381,475 (32.2%) 0.00 152
    2019-11-01 $289,900 (11.5%) $369,421 (23.6%) 0.00 131
    2019-12-01 $279,900 (8.1%) $358,527 (20.8%) 0.00 122
    2020-01-01 $276,925 (10.8%) $359,675 (19.5%) 0.00 112
    2020-02-01 $279,900 (12.0%) $366,952 (19.8%) 0.00 108
    2020-03-01 $292,450 (15.0%) $382,453 (19.8%) 0.00 104
    2020-04-01 $299,600 (15.3%) $377,661 (11.0%) 0.00 122
    2020-05-01 $299,200 (15.3%) $372,751 (9.5%) 0.00 130
    2020-06-01 $299,500 (14.1%) $366,803 (1.7%) 0.00 119
    2020-07-01 $281,150 (6.1%) $354,151 (-4.2%) 0.00 102
    2020-08-01 $307,450 (12.8%) $370,032 (-1.6%) 0.00 73
    2020-09-01 $344,000 (24.3%) $446,105 (17.0%) 0.00 59
    2020-10-01 $312,450 (9.7%) $516,633 (35.4%) 0.00 53
    2020-11-01 $299,225 (3.2%) $502,274 (36.0%) 0.00 50
    2020-12-01 $285,500 (2.0%) $500,382 (39.6%) 0.00 44
    2021-01-01 $297,450 (7.4%) $496,673 (38.1%) 0.00 39
    2021-02-01 $338,900 (21.1%) $506,538 (38.0%) 0.00 47
    2021-03-01 $328,400 (12.3%) $550,090 (43.8%) 0.00 44
    2021-04-01 $309,725 (3.4%) $450,627 (19.3%) 0.00 48
    2021-05-01 $359,900 (20.3%) $503,628 (35.1%) 0.00 57
    2021-06-01 $386,000 (28.9%) $546,847 (49.1%) 0.00 76
    2021-07-01 $369,900 (31.6%) $640,004 (80.7%) 0.00 80
    2021-08-01 $389,750 (26.8%) $676,423 (82.8%) 0.00 85
    2021-09-01 $395,950 (15.1%) $695,792 (56.0%) 0.00 78
    2021-10-01 $399,900 (28.0%) $731,157 (41.5%) 0.00 66
    2021-11-01 $447,450 (49.5%) $711,378 (41.6%) 0.00 61
    2021-12-01 $482,175 (68.9%) $757,462 (51.4%) 0.00 50
    2022-01-01 $539,900 (81.5%) $882,263 (77.6%) 0.00 34
    2022-02-01 $627,450 (85.1%) $856,870 (69.2%) 0.00 47
    2022-03-01 $669,700 (103.9%) $831,999 (51.3%) 0.00 55
    2022-04-01 $732,000 (136.3%) $860,195 (90.9%) 0.00 67
    2022-05-01 $686,000 (90.6%) $756,790 (50.3%) 0.00 86
    2022-06-01 $649,900 (68.4%) $710,245 (29.9%) 0.00 119
    2022-07-01 $575,000 (55.5%) $697,806 (9.0%) 0.00 134
    2022-08-01 $506,250 (29.9%) $645,356 (-4.6%) 0.00 128
    2022-09-01 $575,000 (45.2%) $668,369 (-3.9%) 0.00 136
    2022-10-01 $517,500 (29.4%) $627,024 (-14.2%) 0.00 131
    2022-11-01 $498,488 (11.4%) $614,211 (-13.7%) 0.00 120
    2022-12-01 $499,900 (3.7%) $618,486 (-18.4%) 0.00 105
    2023-01-01 $507,225 (-6.1%) $601,571 (-31.8%) 0.00 99
    2023-02-01 $494,651 (-21.2%) $587,962 (-31.4%) 0.00 92
    2023-03-01 $532,000 (-20.6%) $594,876 (-28.5%) 0.00 85
    2023-04-01 $539,450 (-26.3%) $686,719 (-20.2%) 0.00 97
    2023-05-01 $595,500 (-13.2%) $700,688 (-7.4%) 0.00 111
    2023-06-01 $550,000 (-15.4%) $712,086 (0.3%) 0.00 129
    2023-07-01 $545,000 (-5.2%) $700,756 (0.4%) 0.00 151
    2023-08-01 $546,750 (8.0%) $703,886 (9.1%) 0.00 158
    2023-09-01 $520,000 (-9.6%) $696,488 (4.2%) 0.00 154
    2023-10-01 $527,000 (1.8%) $684,832 (9.2%) 0.00 160
    2023-11-01 $528,000 (5.9%) $716,830 (16.7%) 0.00 160
    2023-12-01 $540,000 (8.0%) $736,509 (19.1%) 0.00 136
    2024-01-01 $535,565 (5.6%) $769,068 (27.8%) 0.00 102
    2024-02-01 $554,650 (12.1%) $760,846 (29.4%) 0.00 98
    2024-03-01 $573,050 (7.7%) $729,428 (22.6%) 0.00 106
    2024-04-01 $579,000 (7.3%) $714,068 (4.0%) 0.00 122
    2024-05-01 $599,925 (0.7%) $717,662 (2.4%) 0.00 135
    2024-06-01 $629,900 (14.5%) $716,281 (0.6%) 0.00 153
    2024-07-01 $631,400 (15.9%) $749,580 (7.0%) 0.00 159
    2024-08-01 $635,700 (16.3%) $788,841 (12.1%) 0.00 172
    2024-09-01 $612,225 (17.7%) $775,301 (11.3%) 0.00 178
    2024-10-01 $624,450 (18.5%) $772,717 (12.8%) 0.00 168
    2024-11-01 $624,450 (18.3%) $778,036 (8.5%) 0.00 162
    2024-12-01 $639,450 (18.4%) $780,754 (6.0%) 0.00 148
    2025-01-01 $637,400 (19.0%) $797,216 (3.7%) 0.00 129
    Evanston's median listing price for 2025-01-01 was $637,400, a difference of $101,835 (19.0%) versus the prior year and $-2,050 versus the prior month.

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

    Evanston's average listing price for 2025-01-01 was $797,216, a difference of $28,148 (3.7%) versus the prior year and $16,462 versus the prior month.

    For the 2025-01-01 period, Evanston had 129 MLS listings, a difference of -19 listings (-13%) versus the prior month and 27 listings (26%) 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 2,016 sqft
    2018-02-01 0 days 1,943 sqft
    2018-03-01 0 days 2,112 sqft
    2018-04-01 0 days 2,200 sqft
    2018-05-01 0 days 2,200 sqft
    2018-06-01 0 days 2,114 sqft
    2018-07-01 0 days 2,119 sqft
    2018-08-01 0 days 2,122 sqft
    2018-09-01 0 days 2,150 sqft
    2018-10-01 0 days 2,054 sqft
    2018-11-01 0 days 2,060 sqft
    2018-12-01 0 days 2,080 sqft
    2019-01-01 0 days 2,079 sqft
    2019-02-01 0 days 2,078 sqft
    2019-03-01 0 days 2,120 sqft
    2019-04-01 0 days 2,170 sqft
    2019-05-01 0 days 2,146 sqft
    2019-06-01 0 days 2,144 sqft
    2019-07-01 0 days 2,178 sqft
    2019-08-01 0 days 2,123 sqft
    2019-09-01 0 days 2,115 sqft
    2019-10-01 0 days 2,176 sqft
    2019-11-01 0 days 2,212 sqft
    2019-12-01 0 days 2,106 sqft
    2020-01-01 0 days 2,084 sqft
    2020-02-01 0 days 2,112 sqft
    2020-03-01 0 days 2,223 sqft
    2020-04-01 0 days 2,354 sqft
    2020-05-01 0 days 2,302 sqft
    2020-06-01 0 days 2,364 sqft
    2020-07-01 0 days 2,407 sqft
    2020-08-01 0 days 2,416 sqft
    2020-09-01 0 days 2,493 sqft
    2020-10-01 0 days 2,401 sqft
    2020-11-01 0 days 1,982 sqft
    2020-12-01 0 days 1,885 sqft
    2021-01-01 0 days 1,984 sqft
    2021-02-01 0 days 2,083 sqft
    2021-03-01 0 days 2,154 sqft
    2021-04-01 0 days 2,132 sqft
    2021-05-01 0 days 2,361 sqft
    2021-06-01 0 days 2,402 sqft
    2021-07-01 0 days 2,381 sqft
    2021-08-01 0 days 2,290 sqft
    2021-09-01 0 days 2,241 sqft
    2021-10-01 0 days 2,202 sqft
    2021-11-01 0 days 2,226 sqft
    2021-12-01 0 days 2,264 sqft
    2022-01-01 0 days 2,532 sqft
    2022-02-01 0 days 2,314 sqft
    2022-03-01 0 days 2,507 sqft
    2022-04-01 0 days 2,495 sqft
    2022-05-01 0 days 2,464 sqft
    2022-06-01 0 days 2,528 sqft
    2022-07-01 0 days 2,495 sqft
    2022-08-01 0 days 2,439 sqft
    2022-09-01 0 days 2,428 sqft
    2022-10-01 0 days 2,348 sqft
    2022-11-01 0 days 2,400 sqft
    2022-12-01 0 days 2,336 sqft
    2023-01-01 0 days 2,178 sqft
    2023-02-01 0 days 2,195 sqft
    2023-03-01 0 days 2,367 sqft
    2023-04-01 0 days 2,424 sqft
    2023-05-01 0 days 2,519 sqft
    2023-06-01 0 days 2,479 sqft
    2023-07-01 0 days 2,168 sqft
    2023-08-01 0 days 2,075 sqft
    2023-09-01 0 days 2,075 sqft
    2023-10-01 0 days 2,054 sqft
    2023-11-01 0 days 2,074 sqft
    2023-12-01 0 days 2,038 sqft
    2024-01-01 0 days 2,184 sqft
    2024-02-01 0 days 2,399 sqft
    2024-03-01 0 days 2,386 sqft
    2024-04-01 0 days 2,128 sqft
    2024-05-01 0 days 2,169 sqft
    2024-06-01 0 days 2,201 sqft
    2024-07-01 0 days 2,393 sqft
    2024-08-01 0 days 2,393 sqft
    2024-09-01 0 days 2,479 sqft
    2024-10-01 0 days 2,465 sqft
    2024-11-01 0 days 2,415 sqft
    2024-12-01 0 days 2,448 sqft
    2025-01-01 0 days 2,448 sqft
    Evanston's median listing age (time on market) for 2025-01-01 was 0 days.

    Evanston's median square footage for active listings during the 2025-01-01 period was 2,448 sqft. One year prior, the average listing was 2,184 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.