Laramie Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Laramie averaged 6.15% for the week of 2024-10-10, compared to the national average of 6.32% for the same period.

The average rate for the prior week (2024-10-03) was 5.95% and one month ago for the week of 2024-09-05, the average rate was 5.88%.

Laramie's average rate one year ago was 7.42%.

For refis of the same type during the week of 2024-10-10, the average rate was 6.82%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Laramie 30 Year Fixed Rate 2024-10-10 6.15%
Laramie 30 Year Fixed Rate Refi 2024-10-10 6.82%
Laramie 15 Year Fixed Rate 2024-10-10 5.31%
Laramie 15 Year Fixed Rate Refi 2024-10-10 5.91%
Laramie 30 Year FHA 2024-10-10 6.3%
Laramie 30 Year FHA Refi 2024-10-10 6.2%
Laramie 30 Year USDA 2024-10-10 5.88%
Laramie 30 Year USDA Refi 2024-10-10 5.98%
Laramie 30 Year VA 2024-10-10 5.85%
Laramie 30 Year VA Refi 2024-10-10 5.75%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Laramie, WY.

Laramie 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 Laramie, 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
Jonah Bank of Wyoming 70 6.11% $6,015
QUICKEN LOANS, LLC 42 6.68% $6,891
Colonial Savings, F.A. 18 6.25% $5,870
ANB Bank 11 6.19% $1,550
First National Bank of Omaha 8 6.75% $4,191
MID AMERICA MORTGAGE, INC. 6 6.33% $9,083
First Interstate Bank 5 6.33% $4,416
Servion, Inc. 5 7.28% $4,859
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.09% $6,434
U.S. Bank 3 6.54% $3,107
BROKER SOLUTIONS, INC. 3 7.08% $6,158
CROSSCOUNTRY MORTGAGE, LLC 3 6.58% $7,369
Meridian Trust Federal Credit Union 3 6.33% $4,093
Flagstar Bank, FSB 3 6.83% $4,850
USAA Federal Savings Bank 3 6.04% $11,743
West Gate Bank 2 5.88% $7,004
Pinnacle Bank - Wyoming 2 6.50% $7,419
UNITED WHOLESALE MORTGAGE, LLC 2 6.69% $5,532
Blue Federal Credit Union 2 7.17% $4,711
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.00% $8,023
UBS Bank USA 1 6.75% $2,900
Utah Power 1 5.25% $3,986
Wallick & Volk, Inc. 1 7.13% $9,573
Watermark Capital, Inc. 1 5.88% $5,363
LOANDEPOT.COM, LLC 1 7.88% $3,761
American Mortgage & Equity Consultants, Inc. 1 6.00% $6,280
BETTER MORTGAGE CORPORATION 1 7.75% $3,605
BOKF 1 7.13% $2,718
CANVAS CREDIT UNION 1 7.25% $2,993
CHURCHILL MORTGAGE CORPORATION 1 6.38% $5,794
Citizens Bank 1 7.88% $15,480
CMG MORTGAGE, INC. 1 6.75% $6,225
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.38% $3,535
CRESCENT MORTGAGE COMPANY 1 7.50% $7,956
Farm Credit Mid-America, ACA 1 7.38% $4,990
First International Bank & Trust 1 7.13% $2,443
GUARANTEED RATE, INC. 1 5.99% $7,070
GUILD MORTGAGE COMPANY 1 6.75% $5,768
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 9.25% $22,223
JPMorgan Chase Bank 1 6.88% $13,161
AMERICAN FINANCING CORPORATION 1 6.25% $15,812
MOVEMENT MORTGAGE, LLC 1 7.38% $4,692
Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $8,240

Laramie Average Closing Costs & Other Stats

Laramie, WY's 43 lenders originated 583 loans during 2023. The total origination value was $144,035,000, with an average loan value of $247,058.

Laramie's average closing costs are $5,219.

The top Laramie lender as defined by loan originations is Jonah Bank of Wyoming, with 70 loans originated. Their average total fees are $6,015, which is $876 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Laramie lenders (with over 10 loans originated) are ANB Bank ($1,550), Colonial Savings, F.A. ($5,870), Jonah Bank of Wyoming ($6,015), QUICKEN LOANS, LLC ($6,891) and .

The lowest rate Laramie lenders (with over 10 loans originated) are Jonah Bank of Wyoming (6.11%), ANB Bank (6.19%), Colonial Savings, F.A. (6.25%), QUICKEN LOANS, LLC (6.68%) and .

Laramie, 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
Jonah Bank of Wyoming $47,830,000 $30,860,000 -35.5% 21.4%
QUICKEN LOANS, LLC $22,280,000 $16,940,000 -24.0% 11.8%
First Interstate Bank $21,185,000 $8,985,000 -57.6% 6.2%
Colonial Savings, F.A. $13,990,000 $7,605,000 -45.6% 5.3%
Prudential Huntoon Paige Associates, LLC $5,465,000 n/a 3.8%
ANB Bank $10,290,000 $5,455,000 -47.0% 3.8%
First National Bank of Omaha $11,890,000 $4,610,000 -61.2% 3.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,590,000 $3,045,000 17.6% 2.1%
JONES LANG LASALLE MULTIFAMILY, LLC $2,525,000 n/a 1.8%
Pinnacle Bank - Wyoming $4,430,000 $2,345,000 -47.1% 1.6%
MID AMERICA MORTGAGE, INC. $1,200,000 $2,115,000 76.3% 1.5%
U.S. Bank $2,620,000 $2,090,000 -20.2% 1.5%
CROSSCOUNTRY MORTGAGE, LLC $1,795,000 $1,765,000 -1.7% 1.2%
USAA Federal Savings Bank $1,055,000 $1,690,000 60.2% 1.2%
Mortgage Research Center, LLC $1,855,000 $1,430,000 -22.9% 1.0%
Glacier Bank $2,195,000 $1,420,000 -35.3% 1.0%
BROKER SOLUTIONS, INC. $1,200,000 $1,310,000 9.2% 0.9%
Servion, Inc. $1,135,000 n/a 0.8%
UNITED WHOLESALE MORTGAGE, LLC $1,010,000 $1,050,000 4.0% 0.7%
Wallick & Volk, Inc. $1,580,000 $1,015,000 -35.8% 0.7%
JPMorgan Chase Bank $55,000 $970,000 1,663.6% 0.7%
Blue Federal Credit Union $1,435,000 $905,000 -36.9% 0.6%
Flagstar Bank, FSB $910,000 $825,000 -9.3% 0.6%
NAVY FEDERAL CREDIT UNION $1,410,000 $825,000 -41.5% 0.6%
BETTER MORTGAGE CORPORATION $765,000 n/a 0.5%
Platte Valley Bank $3,690,000 $760,000 -79.4% 0.5%
Meridian Trust Federal Credit Union $1,225,000 $730,000 -40.4% 0.5%
CMG MORTGAGE, INC. $1,985,000 $675,000 -66.0% 0.5%
GUILD MORTGAGE COMPANY $635,000 $675,000 6.3% 0.5%
Plains Commerce Bank $195,000 $670,000 243.6% 0.5%
LOANDEPOT.COM, LLC $1,975,000 $660,000 -66.6% 0.5%
Wyoming Bank & Trust $2,765,000 $645,000 -76.7% 0.4%
West Gate Bank $2,155,000 $610,000 -71.7% 0.4%
CRESCENT MORTGAGE COMPANY $605,000 n/a 0.4%
MOVEMENT MORTGAGE, LLC $555,000 n/a 0.4%
GUARANTEED RATE, INC. $290,000 $495,000 70.7% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $275,000 $495,000 80.0% 0.3%
Toyota Financial Savings Bank $495,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $1,035,000 $485,000 -53.1% 0.3%
Watermark Capital, Inc. $475,000 n/a 0.3%
WYHY $445,000 n/a 0.3%
FREEDOM MORTGAGE CORPORATION $395,000 $440,000 11.4% 0.3%
Citizens Bank $175,000 $435,000 148.6% 0.3%
Unify Home Lending Inc. $335,000 $415,000 23.9% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $825,000 $410,000 -50.3% 0.3%
MEMBER FIRST MORTGAGE, LLC $405,000 n/a 0.3%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,200,000 $395,000 -82.0% 0.3%
OPEN MORTGAGE, LLC $385,000 n/a 0.3%
Texas Heritage National Bank $385,000 n/a 0.3%
Points West Community Bank $345,000 n/a 0.2%
American Mortgage & Equity Consultants, Inc. $325,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $245,000 $310,000 26.5% 0.2%
FirsTier Bank $305,000 n/a 0.2%
UBS Bank USA $305,000 n/a 0.2%
Utah Power $105,000 $300,000 185.7% 0.2%
CANVAS CREDIT UNION $295,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $845,000 $275,000 -67.5% 0.2%
ZILLOW HOME LOANS, LLC $265,000 n/a 0.2%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $245,000 n/a 0.2%
Sunflower Bank $235,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $295,000 $225,000 -23.7% 0.2%
NEW DAY FINANCIAL, LLC $225,000 $225,000 0.0% 0.2%
Figure Lending LLC $220,000 n/a 0.2%
CALCON MUTUAL MORTGAGE LLC $205,000 n/a 0.1%
First International Bank & Trust $205,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $700,000 $205,000 -70.7% 0.1%
CORNERSTONE HOME LENDING, INC. $980,000 $200,000 -79.6% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $265,000 $195,000 -26.4% 0.1%
Discover Bank $35,000 $190,000 442.9% 0.1%
BOKF $155,000 n/a 0.1%
Bank of America $1,625,000 $145,000 -91.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $125,000 n/a 0.1%
NEWREZ LLC $470,000 $125,000 -73.4% 0.1%
Adams Bank & Trust $185,000 $105,000 -43.2% 0.1%
Farm Credit Mid-America, ACA $360,000 $105,000 -70.8% 0.1%
Nicolet National Bank $95,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $95,000 n/a 0.1%
Hilltop National Bank $85,000 n/a 0.1%
First Western Federal Savings Bank $65,000 n/a 0.0%
NuVision Federal Credit Union $65,000 n/a 0.0%
Carrington Mortgage Services, LLC $295,000 $55,000 -81.4% 0.0%
PENNYMAC LOAN SERVICES, LLC $1,565,000 $55,000 -96.5% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $35,000 $25,000 -28.6% 0.0%

Laramie's top lender by overall market share is Jonah Bank of Wyoming, with 21.4% market share. In second place, with 11.8%, is QUICKEN LOANS, LLC, having originated $16,940,000 in loans. In third place, with 6.2%, is First Interstate Bank, having originated $8,985,000 in loans. In fourth place, with 5.3%, is Colonial Savings, F.A., having originated $7,605,000 in loans. In fifth place, with 3.8%, is Prudential Huntoon Paige Associates, LLC, having originated $5,465,000 in loans.


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

Realtor.com - Laramie (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 $252,450 (-11.5%) $305,178 (-6.0%) 0.00 113
2018-02-01 $250,125 (-12.3%) $314,370 (-4.7%) 0.00 109
2018-03-01 $282,900 (-0.7%) $349,526 (7.5%) 0.00 106
2018-04-01 $283,425 (-4.6%) $359,234 (8.0%) 0.00 111
2018-05-01 $287,450 (-11.4%) $366,480 (5.5%) 0.00 106
2018-06-01 $280,000 (-5.5%) $356,804 (7.8%) 0.00 104
2018-07-01 $286,700 (-4.3%) $370,573 (11.3%) 0.00 102
2018-08-01 $275,975 (-0.1%) $352,758 (10.7%) 0.00 118
2018-09-01 $270,000 (0.4%) $336,980 (6.8%) 0.00 134
2018-10-01 $272,000 (2.7%) $338,906 (6.4%) 0.00 115
2018-11-01 $264,125 (-1.8%) $346,470 (7.0%) 0.00 106
2018-12-01 $258,250 (-2.4%) $355,226 (10.6%) 0.00 90
2019-01-01 $252,225 (-0.1%) $350,075 (14.7%) 0.00 68
2019-02-01 $290,243 (16.0%) $381,162 (21.3%) 0.00 63
2019-03-01 $298,577 (5.5%) $386,628 (10.6%) 0.00 67
2019-04-01 $299,900 (5.8%) $385,860 (7.4%) 0.00 79
2019-05-01 $311,191 (8.3%) $383,244 (4.6%) 0.00 82
2019-06-01 $315,000 (12.5%) $379,513 (6.4%) 0.00 88
2019-07-01 $291,199 (1.6%) $335,190 (-9.6%) 0.00 112
2019-08-01 $293,430 (6.3%) $337,067 (-4.5%) 0.00 104
2019-09-01 $294,899 (9.2%) $340,188 (1.0%) 0.00 91
2019-10-01 $296,043 (8.8%) $347,282 (2.5%) 0.00 80
2019-11-01 $288,950 (9.4%) $352,558 (1.8%) 0.00 73
2019-12-01 $282,000 (9.2%) $349,550 (-1.6%) 0.00 68
2020-01-01 $286,500 (13.6%) $355,910 (1.7%) 0.00 64
2020-02-01 $315,000 (8.5%) $378,492 (-0.7%) 0.00 59
2020-03-01 $296,975 (-0.5%) $407,051 (5.3%) 0.00 58
2020-04-01 $326,125 (8.7%) $403,928 (4.7%) 0.00 65
2020-05-01 $340,000 (9.3%) $435,587 (13.7%) 0.00 70
2020-06-01 $361,250 (14.7%) $455,961 (20.1%) 0.00 73
2020-07-01 $376,768 (29.4%) $469,789 (40.2%) 0.00 70
2020-08-01 $399,900 (36.3%) $500,875 (48.6%) 0.00 65
2020-09-01 $355,475 (20.5%) $450,997 (32.6%) 0.00 64
2020-10-01 $354,000 (19.6%) $454,501 (30.9%) 0.00 55
2020-11-01 $372,450 (28.9%) $489,238 (38.8%) 0.00 44
2020-12-01 $387,450 (37.4%) $521,793 (49.3%) 0.00 35
2021-01-01 $399,900 (39.6%) $517,996 (45.5%) 0.00 26
2021-02-01 $310,000 (-1.6%) $472,092 (24.7%) 0.00 30
2021-03-01 $351,725 (18.4%) $509,619 (25.2%) 0.00 28
2021-04-01 $373,325 (14.5%) $520,706 (28.9%) 0.00 27
2021-05-01 $347,000 (2.1%) $557,157 (27.9%) 0.00 31
2021-06-01 $427,500 (18.3%) $654,708 (43.6%) 0.00 33
2021-07-01 $399,900 (6.1%) $579,935 (23.5%) 0.00 50
2021-08-01 $424,000 (6.0%) $589,989 (17.8%) 0.00 49
2021-09-01 $389,675 (9.6%) $509,461 (13.0%) 0.00 55
2021-10-01 $374,750 (5.9%) $505,583 (11.2%) 0.00 45
2021-11-01 $420,000 (12.8%) $503,800 (3.0%) 0.00 38
2021-12-01 $420,000 (8.4%) $515,612 (-1.2%) 0.00 31
2022-01-01 $369,000 (-7.7%) $536,632 (3.6%) 0.00 27
2022-02-01 $480,975 (55.2%) $1,150,031 (143.6%) 0.00 22
2022-03-01 $509,750 (44.9%) $1,166,138 (128.8%) 0.00 23
2022-04-01 $485,000 (29.9%) $1,093,541 (110.0%) 0.00 29
2022-05-01 $498,250 (43.6%) $999,395 (79.4%) 0.00 36
2022-06-01 $451,950 (5.7%) $741,940 (13.3%) 0.00 37
2022-07-01 $425,000 (6.3%) $695,653 (20.0%) 0.00 58
2022-08-01 $444,450 (4.8%) $640,536 (8.6%) 0.00 55
2022-09-01 $426,000 (9.3%) $622,649 (22.2%) 0.00 55
2022-10-01 $422,500 (12.7%) $641,921 (27.0%) 0.00 63
2022-11-01 $414,750 (-1.3%) $577,161 (14.6%) 0.00 62
2022-12-01 $397,450 (-5.4%) $555,025 (7.6%) 0.00 57
2023-01-01 $391,000 (6.0%) $594,802 (10.8%) 0.00 45
2023-02-01 $395,000 (-17.9%) $595,638 (-48.2%) 0.00 52
2023-03-01 $439,925 (-13.7%) $631,604 (-45.8%) 0.00 45
2023-04-01 $550,000 (13.4%) $669,421 (-38.8%) 0.00 38
2023-05-01 $576,250 (15.7%) $656,245 (-34.3%) 0.00 43
2023-06-01 $519,250 (14.9%) $652,707 (-12.0%) 0.00 45
2023-07-01 $422,500 (-0.6%) $618,280 (-11.1%) 0.00 60
2023-08-01 $428,000 (-3.7%) $599,038 (-6.5%) 0.00 57
2023-09-01 $399,950 (-6.1%) $583,943 (-6.2%) 0.00 53
2023-10-01 $436,500 (3.3%) $600,576 (-6.4%) 0.00 55
2023-11-01 $438,250 (5.7%) $635,791 (10.2%) 0.00 50
2023-12-01 $442,500 (11.3%) $658,857 (18.7%) 0.00 41
2024-01-01 $460,000 (17.7%) $696,089 (17.0%) 0.00 33
2024-02-01 $463,000 (17.2%) $653,077 (9.6%) 0.00 33
2024-03-01 $455,000 (3.4%) $549,088 (-13.1%) 0.00 40
2024-04-01 $460,000 (-16.4%) $555,157 (-17.1%) 0.00 39
2024-05-01 $505,750 (-12.2%) $575,572 (-12.3%) 0.00 55
2024-06-01 $543,500 (4.7%) $611,580 (-6.3%) 0.00 58
2024-07-01 $468,250 (10.8%) $609,258 (-1.5%) 0.00 69
2024-08-01 $448,000 (4.7%) $582,395 (-2.8%) 0.00 78
2024-09-01 $418,500 (4.6%) $554,868 (-5.0%) 0.00 91
Laramie's median listing price for 2024-09-01 was $418,500, a difference of $18,550 (4.6%) versus the prior year and $-29,500 versus the prior month.

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

Laramie's average listing price for 2024-09-01 was $554,868, a difference of $-29,075 (-5.0%) versus the prior year and $-27,527 versus the prior month.

For the 2024-09-01 period, Laramie had 91 MLS listings, a difference of 13 listings (17%) versus the prior month and 38 listings (72%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Laramie (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,975 sqft
2018-02-01 0 days 1,996 sqft
2018-03-01 0 days 2,136 sqft
2018-04-01 0 days 2,142 sqft
2018-05-01 0 days 2,253 sqft
2018-06-01 0 days 2,130 sqft
2018-07-01 0 days 2,133 sqft
2018-08-01 0 days 2,023 sqft
2018-09-01 0 days 1,986 sqft
2018-10-01 0 days 2,072 sqft
2018-11-01 0 days 2,036 sqft
2018-12-01 0 days 2,015 sqft
2019-01-01 0 days 2,121 sqft
2019-02-01 0 days 2,544 sqft
2019-03-01 0 days 2,544 sqft
2019-04-01 0 days 2,572 sqft
2019-05-01 0 days 2,565 sqft
2019-06-01 0 days 2,452 sqft
2019-07-01 0 days 2,060 sqft
2019-08-01 0 days 2,096 sqft
2019-09-01 0 days 2,117 sqft
2019-10-01 0 days 2,131 sqft
2019-11-01 0 days 2,264 sqft
2019-12-01 0 days 2,242 sqft
2020-01-01 0 days 2,220 sqft
2020-02-01 0 days 2,387 sqft
2020-03-01 0 days 2,471 sqft
2020-04-01 0 days 2,127 sqft
2020-05-01 0 days 2,478 sqft
2020-06-01 0 days 2,719 sqft
2020-07-01 0 days 2,743 sqft
2020-08-01 0 days 2,737 sqft
2020-09-01 0 days 2,378 sqft
2020-10-01 0 days 2,258 sqft
2020-11-01 0 days 2,419 sqft
2020-12-01 0 days 2,821 sqft
2021-01-01 0 days 2,555 sqft
2021-02-01 0 days 2,160 sqft
2021-03-01 0 days 2,503 sqft
2021-04-01 0 days 2,607 sqft
2021-05-01 0 days 2,420 sqft
2021-06-01 0 days 2,823 sqft
2021-07-01 0 days 2,480 sqft
2021-08-01 0 days 2,624 sqft
2021-09-01 0 days 2,642 sqft
2021-10-01 0 days 2,152 sqft
2021-11-01 0 days 1,992 sqft
2021-12-01 0 days 2,118 sqft
2022-01-01 0 days 2,678 sqft
2022-02-01 0 days 2,678 sqft
2022-03-01 0 days 2,596 sqft
2022-04-01 0 days 2,598 sqft
2022-05-01 0 days 2,673 sqft
2022-06-01 0 days 2,506 sqft
2022-07-01 0 days 2,046 sqft
2022-08-01 0 days 2,419 sqft
2022-09-01 0 days 2,353 sqft
2022-10-01 0 days 2,246 sqft
2022-11-01 0 days 2,348 sqft
2022-12-01 0 days 2,372 sqft
2023-01-01 0 days 2,369 sqft
2023-02-01 0 days 2,423 sqft
2023-03-01 0 days 2,678 sqft
2023-04-01 0 days 2,580 sqft
2023-05-01 0 days 2,465 sqft
2023-06-01 0 days 2,261 sqft
2023-07-01 0 days 2,300 sqft
2023-08-01 0 days 2,315 sqft
2023-09-01 0 days 2,351 sqft
2023-10-01 0 days 2,466 sqft
2023-11-01 0 days 2,413 sqft
2023-12-01 0 days 2,210 sqft
2024-01-01 0 days 2,354 sqft
2024-02-01 0 days 2,639 sqft
2024-03-01 0 days 2,448 sqft
2024-04-01 0 days 2,538 sqft
2024-05-01 0 days 2,524 sqft
2024-06-01 0 days 2,607 sqft
2024-07-01 0 days 2,231 sqft
2024-08-01 0 days 2,260 sqft
2024-09-01 0 days 2,183 sqft
Laramie's median listing age (time on market) for 2024-09-01 was 0 days.

Laramie's median square footage for active listings during the 2024-09-01 period was 2,183 sqft. One year prior, the average listing was 2,351 sqft.

Laramie, WY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 369 $116,865,000 $316,707
Refi 59 $10,015,000 $169,746
Home Improvement 58 $4,360,000 $75,172
Other 57 $4,915,000 $86,228
Cash Out Refi 40 $7,880,000 $197,000

Laramie's most frequently cited loan purpose was Home Purchase, with 369 originations. The 2nd most popular reason was Refi, with 59 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 202 $59,530,000 $294,703
5-6% 125 $44,375,000 $355,000
<2.5% 110 $7,640,000 $69,455
7-8% 83 $22,955,000 $276,566
Over 8% 49 $6,265,000 $127,857
4-5% 2 $660,000 $330,000

During 2023, Laramie's most frequently originated rate bucket was 6-7%, with 202 originations.

Loan Sizing (Laramie, WY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 268 $77,980,000 $290,970
$100,000 or less 149 $7,395,000 $49,631
$100k-200k 92 $13,630,000 $148,152
$400k-600k 60 $27,660,000 $461,000
$600k-1000k 11 $7,755,000 $705,000
$Over $1MM 3 $9,615,000 $3,205,000

Laramie's loan sizing saw the bucket of loans from $200k-400k with 268 originations, totaling $77,980,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 184 $60,230,000 $327,337
60-80% 156 $49,940,000 $320,128
Under 20% 104 $4,700,000 $45,192
20-40% 67 $7,915,000 $118,134
40-60% 55 $16,855,000 $306,455
Over 100% 4 $1,730,000 $432,500

Laramie's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 184 originations, totaling $60,230,000 in origination value.