Jackson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jackson averaged
6.95%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.68% and
one month ago for the week of 2025-05-15, the
average rate was 6.55%.
Jackson's average rate one year ago was 6.69%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Jackson 30 Year Fixed Rate | 2025-06-18 | 6.95% |
| Jackson 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Jackson 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Jackson 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Jackson 30 Year FHA | 2025-06-18 | -0.2% |
| Jackson 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Jackson 30 Year USDA | 2025-06-18 | 0% |
| Jackson 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Jackson 30 Year VA | 2025-06-18 | 0.1% |
| Jackson 30 Year VA Refi | 2025-06-18 | 0% |
Jackson 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 Jackson, WY-ID 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.).
Jackson Average Closing Costs & Other Stats
Jackson, WY-ID's 67 lenders originated 661
loans during 2024. The total origination value was $646,105,000, with an average loan value of
$977,466.
Jackson's average closing costs are $6,840.
The top Jackson lender as defined by loan originations is Zions Bank, with
73 loans originated. Their average total fees are
$11,291, which is $3,104
higher than the next largest lender,
First Western Trust Bank.
The lowest fee Jackson lenders (with over 10 loans originated) are
GUARANTEED RATE, INC. ($5,684), Morgan Stanley Private Bank ($6,357), GUILD MORTGAGE COMPANY ($6,612), NBH Bank ($6,853) and IDAHO CENTRAL ($7,370).
The lowest rate Jackson lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.91%), JPMorgan Chase Bank (5.95%), QUICKEN LOANS, LLC (6.57%), U.S. Bank (6.58%) and GUARANTEED RATE, INC. (6.60%).
Jackson, WY-ID 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Zions Bank | $60,080,000 | $77,480,000 | 29.0% | 12.0% |
| JPMorgan Chase Bank | $46,160,000 | $71,020,000 | 53.9% | 11.0% |
| Morgan Stanley Private Bank | $19,490,000 | $40,815,000 | 109.4% | 6.3% |
| U.S. Bank | $29,325,000 | $38,590,000 | 31.6% | 6.0% |
| First Western Trust Bank | $21,240,000 | $36,755,000 | 73.0% | 5.7% |
| NBH Bank | $36,560,000 | $34,310,000 | -6.2% | 5.3% |
| Bank of America | $15,620,000 | $31,815,000 | 103.7% | 4.9% |
| GUILD MORTGAGE COMPANY | $19,620,000 | $25,490,000 | 29.9% | 3.9% |
| IDAHO CENTRAL | $11,640,000 | $19,795,000 | 70.1% | 3.1% |
| Charles Schwab Bank, SSB | $22,135,000 | $18,415,000 | -16.8% | 2.9% |
| Goldman Sachs Bank USA | $10,015,000 | $16,455,000 | 64.3% | 2.5% |
| QUICKEN LOANS, LLC | $6,185,000 | $14,520,000 | 134.8% | 2.2% |
| BMO Harris Bank | $1,645,000 | $13,680,000 | 731.6% | 2.1% |
| GUARANTEED RATE, INC. | $13,355,000 | n/a | 2.1% | |
| BNY Mellon | $1,210,000 | $10,005,000 | 726.9% | 1.5% |
| Wells Fargo Bank | $16,715,000 | $7,580,000 | -54.7% | 1.2% |
| Glacier Bank | $2,545,000 | $7,395,000 | 190.6% | 1.1% |
| Citibank | $11,825,000 | $6,695,000 | -43.4% | 1.0% |
| Fifth Third Bank | $6,665,000 | n/a | 1.0% | |
| The First, A National Banking Association | $6,505,000 | n/a | 1.0% | |
| First Interstate Bank | $19,045,000 | $6,365,000 | -66.6% | 1.0% |
| Armed Forces Bank | $6,000,000 | n/a | 0.9% | |
| CROSSCOUNTRY MORTGAGE, LLC | $13,275,000 | $5,835,000 | -56.0% | 0.9% |
| Dollar Bank, Federal Savings Bank | $13,170,000 | $5,685,000 | -56.8% | 0.9% |
| EAST IDAHO Credit Union | $2,295,000 | $5,120,000 | 123.1% | 0.8% |
| ADVANCIAL | $4,980,000 | n/a | 0.8% | |
| The Northern Trust Company | $6,020,000 | $4,905,000 | -18.5% | 0.8% |
| Meridian Trust Federal Credit Union | $6,120,000 | $4,850,000 | -20.8% | 0.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $820,000 | $4,180,000 | 409.8% | 0.6% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $3,955,000 | n/a | 0.6% | |
| Raymond James Bank | $10,375,000 | $3,705,000 | -64.3% | 0.6% |
| The Bank of Commerce | $7,045,000 | $3,490,000 | -50.5% | 0.5% |
| Citadel Servicing Corporation | $3,320,000 | $3,455,000 | 4.1% | 0.5% |
| Stifel Bank and Trust | $1,715,000 | $3,080,000 | 79.6% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $1,920,000 | $3,005,000 | 56.5% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,740,000 | $2,630,000 | -29.7% | 0.4% |
| CMG MORTGAGE, INC. | $1,580,000 | $2,480,000 | 57.0% | 0.4% |
| Bank of Idaho | $870,000 | $2,230,000 | 156.3% | 0.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,225,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,800,000 | $2,130,000 | 18.3% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $2,375,000 | $2,055,000 | -13.5% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $1,965,000 | n/a | 0.3% | |
| NEXERA HOLDING LLC | $1,915,000 | n/a | 0.3% | |
| Barrington Bank & Trust Company, N.A. | $1,865,000 | n/a | 0.3% | |
| NAVY FEDERAL CREDIT UNION | $1,970,000 | $1,790,000 | -9.1% | 0.3% |
| Dacotah Bank | $1,685,000 | n/a | 0.3% | |
| FUNDLOANS CAPITAL | $1,755,000 | $1,655,000 | -5.7% | 0.3% |
| OCMBC, INC. | $1,470,000 | n/a | 0.2% | |
| CITIZENS EQUITY FIRST | $1,445,000 | n/a | 0.2% | |
| NBKC BANK | $1,690,000 | $1,425,000 | -15.7% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $1,405,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $595,000 | $1,380,000 | 131.9% | 0.2% |
| KeyBank | $495,000 | $1,360,000 | 174.7% | 0.2% |
| CARDINAL FINANCIAL | $1,335,000 | n/a | 0.2% | |
| RED CANOE CREDIT UNION | $465,000 | $1,255,000 | 169.9% | 0.2% |
| S1L, Inc. | $620,000 | $1,205,000 | 94.4% | 0.2% |
| ARC HOME LLC | $1,105,000 | n/a | 0.2% | |
| CALCON MUTUAL MORTGAGE LLC | $195,000 | $1,100,000 | 464.1% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,050,000 | n/a | 0.2% | |
| Cache Valley Bank | $1,025,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $985,000 | n/a | 0.2% | |
| D. L. Evans Bank | $710,000 | $955,000 | 34.5% | 0.1% |
| Watermark Capital, Inc. | $945,000 | n/a | 0.1% | |
| SUMMIT FUNDING, INC. | $350,000 | $940,000 | 168.6% | 0.1% |
| LIMA ONE CAPITAL, LLC | $885,000 | n/a | 0.1% | |
| Axos Bank | $2,435,000 | $815,000 | -66.5% | 0.1% |
| CANOPY MORTGAGE, LLC | $275,000 | $805,000 | 192.7% | 0.1% |
| Village Bank & Trust | $805,000 | n/a | 0.1% | |
| Citizens Bank | $775,000 | n/a | 0.1% | |
| FIRST COLONY MORTGAGE CORPORATION | $585,000 | $765,000 | 30.8% | 0.1% |
| First National Bank of Omaha | $765,000 | n/a | 0.1% | |
| Pinnacle Bank | $2,485,000 | $765,000 | -69.2% | 0.1% |
| AMERICA FIRST | $750,000 | n/a | 0.1% | |
| Bank Forward | $745,000 | n/a | 0.1% | |
| Eagle Bank and Trust Company | $665,000 | n/a | 0.1% | |
| Figure Lending LLC | $865,000 | $655,000 | -24.3% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,785,000 | $650,000 | -63.6% | 0.1% |
| Boeing Employees Credit Union | $610,000 | n/a | 0.1% | |
| FREEDOM MORTGAGE CORPORATION | $605,000 | n/a | 0.1% | |
| The Federal Savings Bank | $595,000 | n/a | 0.1% | |
| Magnolia Bank | $505,000 | $585,000 | 15.8% | 0.1% |
| Plains Commerce Bank | $575,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $505,000 | $565,000 | 11.9% | 0.1% |
| First National Bank of America | $555,000 | n/a | 0.1% | |
| Mortgage Research Center, LLC | $555,000 | n/a | 0.1% | |
| NEWREZ LLC | $185,000 | $555,000 | 200.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $515,000 | n/a | 0.1% | |
| Deseret First Credit Union | $505,000 | n/a | 0.1% | |
| PNC Bank | $12,110,000 | $505,000 | -95.8% | 0.1% |
| Nations Lending Corporation | $495,000 | n/a | 0.1% | |
| ADVANTAGE PLUS | $465,000 | n/a | 0.1% | |
| Allied First Bank,sb | $455,000 | n/a | 0.1% | |
| LOANDEPOT.COM, LLC | $455,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $2,180,000 | $455,000 | -79.1% | 0.1% |
| Equity Prime Mortgage LLC | $415,000 | n/a | 0.1% | |
| First Merchants Bank | $3,005,000 | $405,000 | -86.5% | 0.1% |
| GEORGIA'S OWN | $405,000 | n/a | 0.1% | |
| Northpointe Bank | $395,000 | n/a | 0.1% | |
| DIRECTORS MORTGAGE, INC. | $355,000 | n/a | 0.1% | |
| Servion, Inc. | $355,000 | n/a | 0.1% | |
| The Dart Bank | $315,000 | n/a | 0.0% | |
| BEEHIVE | $1,505,000 | $305,000 | -79.7% | 0.0% |
| INTERCAP LENDING INC. | $755,000 | $305,000 | -59.6% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $305,000 | n/a | 0.0% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $285,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $345,000 | $255,000 | -26.1% | 0.0% |
| Discover Bank | $155,000 | $255,000 | 64.5% | 0.0% |
| Security Bank, s.b. | $255,000 | n/a | 0.0% | |
| Ally Bank | $245,000 | n/a | 0.0% | |
| WESTMARK Credit Union | $1,275,000 | $245,000 | -80.8% | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | $255,000 | $235,000 | -7.8% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $230,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,950,000 | $225,000 | -92.4% | 0.0% |
| American Airlines Federal Credit Union | $645,000 | $135,000 | -79.1% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $95,000 | $115,000 | 21.1% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $105,000 | n/a | 0.0% | |
| SPOKANE TEACHERS | $105,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| CONNECTIONS | $85,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $2,375,000 | $85,000 | -96.4% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $300,000 | $65,000 | -78.3% | 0.0% |
| Coastal Community Bank | $75,000 | $55,000 | -26.7% | 0.0% |
Jackson's top lender by overall market share is Zions Bank, with 12.0% market share. In second place, with 11.0%, is JPMorgan Chase Bank, having originated $71,020,000 in loans. In third place, with 6.3%, is Morgan Stanley Private Bank, having originated $40,815,000 in loans. In fourth place, with 6.0%, is U.S. Bank, having originated $38,590,000 in loans. In fifth place, with 5.7%, is First Western Trust Bank, having originated $36,755,000 in loans.
Jackson, WY-ID Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 363 | $422,865,000 | $1,164,917 |
| Refi | 78 | $98,740,000 | $1,265,897 |
| Home Improvement | 76 | $17,560,000 | $231,053 |
| Cash Out Refi | 75 | $46,265,000 | $616,867 |
| Other | 69 | $60,675,000 | $879,348 |
Jackson's most frequently cited loan purpose was Home Purchase, with 363 originations. The 2nd most popular reason was Refi, with 78 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 248 | $241,820,000 | $975,081 |
| Over 8% | 155 | $73,515,000 | $474,290 |
| 7-8% | 134 | $121,010,000 | $903,060 |
| 5-6% | 92 | $184,580,000 | $2,006,304 |
| 4-5% | 8 | $9,470,000 | $1,183,750 |
| <2.5% | 1 | $455,000 | $455,000 |
| 3-4% | 1 | $2,305,000 | $2,305,000 |
| 2.5-3% | 1 | $305,000 | $305,000 |
During 2024, Jackson's most frequently originated rate bucket was 6-7%, with 248 originations.
Loan Sizing (Jackson, WY-ID MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $Over $1MM | 176 | $444,450,000 | $2,525,284 |
| $200k-400k | 131 | $39,035,000 | $297,977 |
| $600k-1000k | 124 | $95,390,000 | $769,274 |
| $400k-600k | 111 | $54,265,000 | $488,874 |
| $100k-200k | 73 | $10,105,000 | $138,425 |
| $100,000 or less | 46 | $2,860,000 | $62,174 |
Jackson's loan sizing saw the bucket of loans from $Over $1MM with 176 originations, totaling $444,450,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 191 | $299,695,000 | $1,569,084 |
| Under 20% | 131 | $25,475,000 | $194,466 |
| 20-40% | 117 | $79,905,000 | $682,949 |
| 40-60% | 103 | $131,425,000 | $1,275,971 |
| 80-100% | 92 | $94,300,000 | $1,025,000 |
| Over 100% | 1 | $665,000 | $665,000 |
Jackson's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 191 originations, totaling $299,695,000 in origination value.