Laramie 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 Laramie averaged 6.41% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.32% and one month ago for the week of 2024-10-10, the average rate was 6.05%.

    Laramie's average rate one year ago was 7.43%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Laramie 30 Year Fixed Rate 2024-11-14 6.41%
    Laramie 30 Year Fixed Rate Refi 2024-11-14 6.78%
    Laramie 15 Year Fixed Rate 2024-11-14 6.09%
    Laramie 15 Year Fixed Rate Refi 2024-11-14 6.39%
    Laramie 30 Year FHA 2024-11-14 -0.2%
    Laramie 30 Year FHA Refi 2024-11-14 -0.1%
    Laramie 30 Year USDA 2024-11-14 -0.1%
    Laramie 30 Year USDA Refi 2024-11-14 -0.1%
    Laramie 30 Year VA 2024-11-14 -0.1%
    Laramie 30 Year VA Refi 2024-11-14 0.2%
    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
    2024-10-01 $413,291 (-5.3%) $553,104 (-7.9%) 0.00 87
    Laramie's median listing price for 2024-10-01 was $413,291, a difference of $-23,209 (-5.3%) versus the prior year and $-5,209 versus the prior month.

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

    Laramie's average listing price for 2024-10-01 was $553,104, a difference of $-47,472 (-7.9%) versus the prior year and $-1,764 versus the prior month.

    For the 2024-10-01 period, Laramie had 87 MLS listings, a difference of -4 listings (-4%) versus the prior month and 32 listings (58%) 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
    2024-10-01 0 days 2,358 sqft
    Laramie's median listing age (time on market) for 2024-10-01 was 0 days.

    Laramie's median square footage for active listings during the 2024-10-01 period was 2,358 sqft. One year prior, the average listing was 2,466 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.