Laramie Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Laramie averaged
6.82%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.52% and
one month ago for the week of 2025-05-29, the
average rate was 6.94%.
Laramie's average rate one year ago was 7.01%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Laramie 30 Year Fixed Rate | 2025-07-03 | 6.82% |
| Laramie 30 Year Fixed Rate Refi | 2025-07-03 | 6.67% |
| Laramie 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Laramie 15 Year Fixed Rate Refi | 2025-07-03 | 6% |
| Laramie 30 Year FHA | 2025-07-03 | -0.1% |
| Laramie 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Laramie 30 Year USDA | 2025-07-03 | 0% |
| Laramie 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Laramie 30 Year VA | 2025-07-03 | -0.2% |
| Laramie 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
Laramie Average Closing Costs & Other Stats
Laramie, WY's 54 lenders originated 710
loans during 2024. The total origination value was $198,950,000, with an average loan value of
$280,211.
Laramie's average closing costs are $5,977.
The top Laramie lender as defined by loan originations is Jonah Bank of Wyoming, with
76 loans originated. Their average total fees are
$7,073, which is $472
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Laramie lenders (with over 10 loans originated) are
ANB Bank ($4,533), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,699), Servion, Inc. ($6,143), QUICKEN LOANS, LLC ($6,602) and Jonah Bank of Wyoming ($7,073).
The lowest rate Laramie lenders (with over 10 loans originated) are
ANB Bank (6.13%), Jonah Bank of Wyoming (6.36%), QUICKEN LOANS, LLC (6.55%), Servion, Inc. (6.60%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.95%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Jonah Bank of Wyoming | $30,860,000 | $37,495,000 | 21.5% | 18.8% |
| QUICKEN LOANS, LLC | $16,940,000 | $21,135,000 | 24.8% | 10.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,045,000 | $15,955,000 | 424.0% | 8.0% |
| Servion, Inc. | $1,135,000 | $13,670,000 | 1,104.4% | 6.9% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $10,225,000 | n/a | 5.1% | |
| ANB Bank | $5,455,000 | $7,980,000 | 46.3% | 4.0% |
| GUILD MORTGAGE COMPANY | $675,000 | $3,875,000 | 474.1% | 1.9% |
| First National Bank of Omaha | $4,610,000 | $3,420,000 | -25.8% | 1.7% |
| First Interstate Bank | $8,985,000 | $3,320,000 | -63.0% | 1.7% |
| Mortgage Research Center, LLC | $1,430,000 | $3,165,000 | 121.3% | 1.6% |
| U.S. Bank | $2,090,000 | $2,920,000 | 39.7% | 1.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,050,000 | $2,895,000 | 175.7% | 1.5% |
| First Western Trust Bank | $1,740,000 | n/a | 0.9% | |
| Heritage Bank | $1,685,000 | n/a | 0.8% | |
| MID AMERICA MORTGAGE, INC. | $2,115,000 | $1,605,000 | -24.1% | 0.8% |
| Citibank | $1,575,000 | n/a | 0.8% | |
| LADERA LENDING, INC. | $1,530,000 | n/a | 0.8% | |
| Wallick & Volk, Inc. | $1,015,000 | $1,500,000 | 47.8% | 0.8% |
| Wyoming Bank & Trust | $645,000 | $1,355,000 | 110.1% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,765,000 | $1,280,000 | -27.5% | 0.6% |
| LOANDEPOT.COM, LLC | $660,000 | $1,210,000 | 83.3% | 0.6% |
| Pinnacle Bank - Wyoming | $2,345,000 | $1,170,000 | -50.1% | 0.6% |
| The Huntington National Bank | $1,130,000 | n/a | 0.6% | |
| BETTER MORTGAGE CORPORATION | $765,000 | $1,105,000 | 44.4% | 0.6% |
| Blue Federal Credit Union | $905,000 | $1,095,000 | 21.0% | 0.6% |
| CMG MORTGAGE, INC. | $675,000 | $1,090,000 | 61.5% | 0.5% |
| West Gate Bank | $610,000 | $920,000 | 50.8% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $865,000 | n/a | 0.4% | |
| Farm Credit Mid-America, ACA | $105,000 | $860,000 | 719.0% | 0.4% |
| Flagstar Bank, FSB | $825,000 | $855,000 | 3.6% | 0.4% |
| Wells Fargo Bank | $845,000 | n/a | 0.4% | |
| Bank of Colorado | $800,000 | n/a | 0.4% | |
| USAA Federal Savings Bank | $1,690,000 | $790,000 | -53.3% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $225,000 | $760,000 | 237.8% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $440,000 | $740,000 | 68.2% | 0.4% |
| Bremer Bank | $715,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $825,000 | $710,000 | -13.9% | 0.4% |
| The Federal Savings Bank | $700,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $410,000 | $660,000 | 61.0% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $55,000 | $650,000 | 1,081.8% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $95,000 | $585,000 | 515.8% | 0.3% |
| Platte Valley Bank | $760,000 | $585,000 | -23.0% | 0.3% |
| BEEHIVE | $565,000 | n/a | 0.3% | |
| FirsTier Bank | $305,000 | $565,000 | 85.2% | 0.3% |
| CENTENNIAL LENDING, LLC | $525,000 | n/a | 0.3% | |
| Plains Commerce Bank | $670,000 | $510,000 | -23.9% | 0.3% |
| NEW WEST LENDING, INC. | $505,000 | n/a | 0.3% | |
| Choice Financial Group | $485,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $495,000 | $470,000 | -5.1% | 0.2% |
| Armed Forces Bank | $465,000 | n/a | 0.2% | |
| Frandsen Bank & Trust | $465,000 | n/a | 0.2% | |
| Farmers Bank & Trust | $455,000 | n/a | 0.2% | |
| The Union Bank Company | $455,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $265,000 | $450,000 | 69.8% | 0.2% |
| Citizens Bank | $435,000 | $445,000 | 2.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $125,000 | $430,000 | 244.0% | 0.2% |
| NEWREZ LLC | $125,000 | $415,000 | 232.0% | 0.2% |
| PURDUE FEDERAL CREDIT UNION | $385,000 | n/a | 0.2% | |
| OPEN MORTGAGE, LLC | $385,000 | $380,000 | -1.3% | 0.2% |
| Figure Lending LLC | $220,000 | $375,000 | 70.5% | 0.2% |
| BROKER SOLUTIONS, INC. | $1,310,000 | $365,000 | -72.1% | 0.2% |
| The Loan Store, Inc. | $355,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $325,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $205,000 | $325,000 | 58.5% | 0.2% |
| VALLEY FINANCIAL CREDIT UNION | $325,000 | n/a | 0.2% | |
| BELEM SERVICING LLC | $315,000 | n/a | 0.2% | |
| Coastal Community Bank | $315,000 | n/a | 0.2% | |
| Bank of America | $145,000 | $305,000 | 110.3% | 0.2% |
| INTERCAP LENDING INC. | $295,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $195,000 | $285,000 | 46.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $285,000 | n/a | 0.1% | |
| Magnolia Bank | $285,000 | n/a | 0.1% | |
| PNC Bank | $285,000 | n/a | 0.1% | |
| First International Bank & Trust | $205,000 | $275,000 | 34.1% | 0.1% |
| Hilltop National Bank | $85,000 | $265,000 | 211.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $485,000 | $245,000 | -49.5% | 0.1% |
| First National Bank of America | $245,000 | n/a | 0.1% | |
| Stockmens Bank | $245,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $245,000 | n/a | 0.1% | |
| Gateway First Bank | $235,000 | n/a | 0.1% | |
| Commerce Bank | $225,000 | n/a | 0.1% | |
| JPMorgan Chase Bank | $970,000 | $225,000 | -76.8% | 0.1% |
| SPRING EQ, LLC | $220,000 | n/a | 0.1% | |
| BMO Harris Bank | $215,000 | n/a | 0.1% | |
| Pioneer Bank & Trust | $205,000 | n/a | 0.1% | |
| Meridian Trust Federal Credit Union | $730,000 | $195,000 | -73.3% | 0.1% |
| CNB Bank And Trust, N.A. | $185,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $185,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $165,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $140,000 | n/a | 0.1% | |
| First Education Federal Credit Union | $135,000 | n/a | 0.1% | |
| WYHY | $445,000 | $105,000 | -76.4% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $275,000 | $65,000 | -76.4% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $25,000 | $65,000 | 160.0% | 0.0% |
| Discover Bank | $190,000 | $55,000 | -71.1% | 0.0% |
Laramie's top lender by overall market share is Jonah Bank of Wyoming, with 18.8% market share. In second place, with 10.6%, is QUICKEN LOANS, LLC, having originated $21,135,000 in loans. In third place, with 8.0%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $15,955,000 in loans. In fourth place, with 6.9%, is Servion, Inc., having originated $13,670,000 in loans. In fifth place, with 5.1%, is BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC, having originated $10,225,000 in loans.
Laramie, WY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 437 | $146,145,000 | $334,428 |
| Other | 93 | $8,075,000 | $86,828 |
| Home Improvement | 74 | $6,440,000 | $87,027 |
| Cash Out Refi | 59 | $22,675,000 | $384,322 |
| Refi | 47 | $15,615,000 | $332,234 |
Laramie's most frequently cited loan purpose was Home Purchase, with 437 originations. The 2nd most popular reason was Other, with 93 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 307 | $105,585,000 | $343,925 |
| 7-8% | 148 | $32,500,000 | $219,595 |
| Over 8% | 132 | $12,760,000 | $96,667 |
| 5-6% | 101 | $31,575,000 | $312,624 |
| <2.5% | 4 | $50,000 | $12,500 |
| 4-5% | 3 | $1,085,000 | $361,667 |
| 3-4% | 1 | $215,000 | $215,000 |
During 2024, Laramie's most frequently originated rate bucket was 6-7%, with 307 originations.
Loan Sizing (Laramie, WY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 308 | $90,990,000 | $295,422 |
| $100,000 or less | 151 | $7,995,000 | $52,947 |
| $100k-200k | 121 | $17,555,000 | $145,083 |
| $400k-600k | 96 | $44,720,000 | $465,833 |
| $600k-1000k | 30 | $22,200,000 | $740,000 |
| $Over $1MM | 4 | $15,490,000 | $3,872,500 |
Laramie's loan sizing saw the bucket of loans from $200k-400k with 308 originations, totaling $90,990,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 241 | $86,765,000 | $360,021 |
| 60-80% | 165 | $57,175,000 | $346,515 |
| Under 20% | 123 | $7,275,000 | $59,146 |
| 20-40% | 86 | $11,530,000 | $134,070 |
| 40-60% | 68 | $17,180,000 | $252,647 |
| Over 100% | 6 | $2,690,000 | $448,333 |
Laramie's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 241 originations, totaling $86,765,000 in origination value.