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 6.62% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

The average rate for the prior week (2023-03-16) was 6.5% and one month ago for the week of 2023-02-16, the average rate was 6.32%.

Laramie's average rate one year ago was 3.97%.

For refis of the same type during the week of 2023-03-23, the average rate was 6.68%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-23 6.42%
Laramie 30 Year Fixed Rate 2023-03-23 6.62%
Laramie 30 Year Fixed Rate Refi 2023-03-23 6.68%
Laramie 15 Year Fixed Rate 2023-03-23 6.21%
Laramie 15 Year Fixed Rate Refi 2023-03-23 6.05%
Laramie 30 Year FHA 2023-03-23 5.88%
Laramie 30 Year FHA Refi 2023-03-23 5.84%
Laramie 30 Year USDA 2023-03-23 5.54%
Laramie 30 Year USDA Refi 2023-03-23 7.06%
Laramie 30 Year VA 2023-03-23 5.68%
Laramie 30 Year VA Refi 2023-03-23 5.79%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Jonah Bank of Wyoming 114 4.58% $6,818
QUICKEN LOANS, LLC 63 4.69% $5,751
Colonial Savings, F.A. 40 5.11% $4,975
First Interstate Bank 21 5.13% $5,349
HOMESTAR FINANCIAL CORPORATION 15 4.74% $4,488
First National Bank of Omaha 10 5.06% $4,383
LOANDEPOT.COM, LLC 6 3.89% $5,973
U.S. Bank 5 4.30% $6,887
West Gate Bank 5 5.05% $7,931
AMERICAN PACIFIC MORTGAGE CORPORATION 4 5.41% $11,069
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 4.81% $4,416
Glacier Bank 4 5.72% $7,390
AMERISAVE MORTGAGE CORPORATION 4 3.47% $6,223
Bank of America 4 4.09% $6,586
Wells Fargo Bank 4 5.47% $6,531
Northpointe Bank 3 4.83% $3,814
BROKER SOLUTIONS, INC. 3 5.58% $5,548
Bank of Colorado 3 4.79% $9,258
CENTENNIAL LENDING, LLC 3 5.13% $5,339
Meridian Trust Federal Credit Union 3 4.30% $4,567
Wyoming Bank & Trust 2 3.75% $6,598
CALIBER HOME LOANS, INC. 2 5.19% $2,965
Flagstar Bank, FSB 2 3.57% $3,899
ACADEMY MORTGAGE CORPORATION 2 5.38% $8,504
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 3.87% $5,947
Blue Federal Credit Union 2 5.56% $4,462
CMG MORTGAGE, INC. 2 4.31% $3,461
UNITED WHOLESALE MORTGAGE, LLC 2 4.81% $2,557
Pinnacle Bank - Wyoming 2 3.63% $8,218
MEGASTAR FINANCIAL CORP. 2 4.06% $6,271
CROSSCOUNTRY MORTGAGE, LLC 2 5.98% $6,393
Ally Bank 2 4.81% $4,160
Mr. Cooper ( Nationstar Mortgage ) 2 5.19% $9,757
Bank of the West 2 4.31% $5,788
Mortgage Research Center, LLC 2 5.38% $3,647
Truity Federal Credit Union 1 5.50% $2,216
Umpqua Bank 1 4.00% $4,712
Unify Home Lending Inc. 1 5.75% $10,480
USAA Federal Savings Bank 1 6.88% $4,135
Wallick & Volk, Inc. 1 4.75% $7,759
Zions Bancorporation, N.A. 1 5.00% $2,181
AMERICAN FINANCING CORPORATION 1 3.63% $3,222
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.63% $9,181
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.88% $6,477
AXIA FINANCIAL, LLC 1 5.88% $3,412
BAY EQUITY LLC 1 7.13% $10,338
Busey Bank 1 4.88% $2,688
CHERRY CREEK MORTGAGE, LLC 1 3.75% $825
Citizens Bank 1 3.88% $3,685
CORNERSTONE HOME LENDING, INC. 1 5.63% $3,088
Cornerstone National Bank & Trust Company 1 5.00% $1,989
EVERETT FINANCIAL, INC. 1 5.38% $2,112
Farm Credit Mid-America, ACA 1 5.85% $5,870
FIRST COLONY MORTGAGE CORPORATION 1 6.13% $15,434
First Federal Bank of Kansas City 1 5.75% $3,604
First Western Trust Bank 1 4.13% $3,074
GUARANTEED RATE, INC. 1 3.25% $2,680
GUILD MORTGAGE COMPANY 1 5.50% $4,691
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 8.75% $5,295
INB 1 4.88% $3,450
KELLER MORTGAGE, LLC 1 3.75% $2,170
Magnolia Bank 1 5.99% $2,011
MID AMERICA MORTGAGE, INC. 1 4.75% $8,023
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 4.00% $5,915
NAVY FEDERAL CREDIT UNION 1 6.13% $3,220
NBH Bank 1 4.25% $3,117
NEST HOME LENDING, LLC 1 5.00% $5,680
NEWREZ LLC 1 3.88% $4,874
Plains Commerce Bank 1 3.50% $4,091
PNC Bank 1 4.50% $3,122
RBC Bank, (Georgia) 1 5.13% $1,699
SECURITY SERVICE 1 2.88% $2,446
SOUTHWEST FUNDING, LP 1 5.88% $3,811
The Federal Savings Bank 1 4.13% $2,250
The Huntington National Bank 1 3.88% $5,094

Laramie Average Closing Costs & Other Stats

Laramie, WY's 75 lenders originated 906 loans during 2022. The total origination value was $240,500,000, with an average loan value of $265,453.

Laramie's average closing costs are $5,027.

The top Laramie lender as defined by loan originations is Jonah Bank of Wyoming, with 114 loans originated. Their average total fees are $6,818, which is $1,067 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Laramie lenders (with over 10 loans originated) are First National Bank of Omaha ($4,383), HOMESTAR FINANCIAL CORPORATION ($4,488), Colonial Savings, F.A. ($4,975), First Interstate Bank ($5,349) and QUICKEN LOANS, LLC ($5,751).

The lowest rate Laramie lenders (with over 10 loans originated) are Jonah Bank of Wyoming (4.58%), QUICKEN LOANS, LLC (4.69%), HOMESTAR FINANCIAL CORPORATION (4.74%), First National Bank of Omaha (5.06%) and Colonial Savings, F.A. (5.11%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Jonah Bank of Wyoming $106,530,000 $47,830,000 -55.1% 19.9%
QUICKEN LOANS, LLC $70,785,000 $22,280,000 -68.5% 9.3%
First Interstate Bank $27,345,000 $21,185,000 -22.5% 8.8%
Colonial Savings, F.A. $23,055,000 $13,990,000 -39.3% 5.8%
First National Bank of Omaha $175,000 $11,890,000 6,694.3% 4.9%
ANB Bank $6,365,000 $10,290,000 61.7% 4.3%
HOMESTAR FINANCIAL CORPORATION $235,000 $6,800,000 2,793.6% 2.8%
Independent Bank $4,960,000 n/a 2.1%
Pinnacle Bank - Wyoming $2,015,000 $4,430,000 119.9% 1.8%
Platte Valley Bank $3,015,000 $3,690,000 22.4% 1.5%
Capital One $3,035,000 n/a 1.3%
Wyoming Bank & Trust $3,785,000 $2,765,000 -26.9% 1.1%
U.S. Bank $5,550,000 $2,620,000 -52.8% 1.1%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,805,000 $2,590,000 -46.1% 1.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $2,200,000 n/a 0.9%
Glacier Bank $4,190,000 $2,195,000 -47.6% 0.9%
West Gate Bank $1,665,000 $2,155,000 29.4% 0.9%
CMG MORTGAGE, INC. $1,900,000 $1,985,000 4.5% 0.8%
Wells Fargo Bank $3,750,000 $1,985,000 -47.1% 0.8%
LOANDEPOT.COM, LLC $6,665,000 $1,975,000 -70.4% 0.8%
Mortgage Research Center, LLC $2,665,000 $1,855,000 -30.4% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $980,000 $1,795,000 83.2% 0.7%
Bank of America $760,000 $1,625,000 113.8% 0.7%
Zions Bancorporation, N.A. $215,000 $1,590,000 639.5% 0.7%
Wallick & Volk, Inc. $3,910,000 $1,580,000 -59.6% 0.7%
Bank of Colorado $175,000 $1,570,000 797.1% 0.7%
PENNYMAC LOAN SERVICES, LLC $3,300,000 $1,565,000 -52.6% 0.7%
Blue Federal Credit Union $1,470,000 $1,435,000 -2.4% 0.6%
NAVY FEDERAL CREDIT UNION $730,000 $1,410,000 93.2% 0.6%
CENTENNIAL LENDING, LLC $1,155,000 $1,345,000 16.5% 0.6%
Northpointe Bank $440,000 $1,265,000 187.5% 0.5%
Meridian Trust Federal Credit Union $460,000 $1,225,000 166.3% 0.5%
BROKER SOLUTIONS, INC. $2,200,000 $1,200,000 -45.5% 0.5%
MID AMERICA MORTGAGE, INC. $735,000 $1,200,000 63.3% 0.5%
USAA Federal Savings Bank $1,630,000 $1,055,000 -35.3% 0.4%
AMERICAN FINANCING CORPORATION $1,650,000 $1,035,000 -37.3% 0.4%
First Western Trust Bank $825,000 $1,030,000 24.8% 0.4%
UNITED WHOLESALE MORTGAGE, LLC $2,040,000 $1,010,000 -50.5% 0.4%
CORNERSTONE HOME LENDING, INC. $1,860,000 $980,000 -47.3% 0.4%
ACADEMY MORTGAGE CORPORATION $950,000 n/a 0.4%
Flagstar Bank, FSB $175,000 $910,000 420.0% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,930,000 $845,000 -56.2% 0.4%
MEGASTAR FINANCIAL CORP. $520,000 $830,000 59.6% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $2,635,000 $825,000 -68.7% 0.3%
Ally Bank $415,000 $730,000 75.9% 0.3%
EVERETT FINANCIAL, INC. $705,000 n/a 0.3%
TRIAD FINANCIAL SERVICES, INC. $280,000 $700,000 150.0% 0.3%
GUILD MORTGAGE COMPANY $1,625,000 $635,000 -60.9% 0.3%
Bank of the West $1,705,000 $625,000 -63.3% 0.3%
INB $625,000 n/a 0.3%
CALIBER HOME LOANS, INC. $1,255,000 $590,000 -53.0% 0.2%
The Huntington National Bank $630,000 $565,000 -10.3% 0.2%
Cornerstone National Bank & Trust Company $505,000 n/a 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $475,000 n/a 0.2%
NEWREZ LLC $2,690,000 $470,000 -82.5% 0.2%
Umpqua Bank $445,000 n/a 0.2%
First Federal Bank $415,000 n/a 0.2%
First Federal Bank of Kansas City $395,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $3,150,000 $395,000 -87.5% 0.2%
SECURITY SERVICE $395,000 n/a 0.2%
AMERICAN ADVISORS GROUP $75,000 $390,000 420.0% 0.2%
Truity Federal Credit Union $375,000 n/a 0.2%
NEST HOME LENDING, LLC $365,000 n/a 0.2%
Farm Credit Mid-America, ACA $1,005,000 $360,000 -64.2% 0.1%
CHERRY CREEK MORTGAGE, LLC $5,720,000 $355,000 -93.8% 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $350,000 n/a 0.1%
AXIA FINANCIAL, LLC $345,000 n/a 0.1%
Unify Home Lending Inc. $335,000 n/a 0.1%
Busey Bank $315,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $305,000 n/a 0.1%
Truist $255,000 $305,000 19.6% 0.1%
BAY EQUITY LLC $295,000 n/a 0.1%
Carrington Mortgage Services, LLC $215,000 $295,000 37.2% 0.1%
CHURCHILL MORTGAGE CORPORATION $295,000 n/a 0.1%
GUARANTEED RATE, INC. $1,010,000 $290,000 -71.3% 0.1%
FIRST COLONY MORTGAGE CORPORATION $275,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $560,000 $275,000 -50.9% 0.1%
RBC Bank, (Georgia) $275,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $265,000 n/a 0.1%
Gateway First Bank $265,000 n/a 0.1%
GROUP MORTGAGE, LLC $405,000 $265,000 -34.6% 0.1%
KELLER MORTGAGE, LLC $265,000 n/a 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,010,000 $265,000 -73.8% 0.1%
The Federal Savings Bank $2,085,000 $265,000 -87.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $245,000 n/a 0.1%
SOUTHWEST FUNDING, LP $235,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $1,715,000 $225,000 -86.9% 0.1%
HOMESTEAD FUNDING CORP. $215,000 n/a 0.1%
NBH Bank $355,000 $205,000 -42.3% 0.1%
Plains Commerce Bank $490,000 $195,000 -60.2% 0.1%
Adams Bank & Trust $215,000 $185,000 -14.0% 0.1%
HOME POINT FINANCIAL CORPORATION $2,650,000 $185,000 -93.0% 0.1%
Hometown Equity Mortgage, LLC $185,000 n/a 0.1%
North American Savings Bank, F.S.B. $730,000 $185,000 -74.7% 0.1%
PNC Bank $655,000 $185,000 -71.8% 0.1%
Citizens Bank $780,000 $175,000 -77.6% 0.1%
SOFI LENDING CORP. $305,000 $135,000 -55.7% 0.1%
Magnolia Bank $965,000 $125,000 -87.0% 0.1%
PHH Mortgage Corporation $115,000 n/a 0.0%
Utah Power $105,000 n/a 0.0%
21ST MORTGAGE CORPORATION $175,000 $60,000 -65.7% 0.0%
JPMorgan Chase Bank $2,150,000 $55,000 -97.4% 0.0%
Discover Bank $35,000 n/a 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $185,000 $35,000 -81.1% 0.0%

Laramie's top lender by overall market share is Jonah Bank of Wyoming, with 19.9% market share. In second place, with 9.3%, is QUICKEN LOANS, LLC, having originated $22,280,000 in loans. In third place, with 8.8%, is First Interstate Bank, having originated $21,185,000 in loans. In fourth place, with 5.8%, is Colonial Savings, F.A., having originated $13,990,000 in loans. In fifth place, with 4.9%, is First National Bank of Omaha, having originated $11,890,000 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 $253,475 (-11.1%) $305,568 (-5.9%) 0.00 114
2018-02-01 $250,500 (-12.2%) $314,688 (-4.6%) 0.00 110
2018-03-01 $282,900 (-0.7%) $349,531 (7.5%) 0.00 107
2018-04-01 $284,475 (-4.3%) $359,150 (8.0%) 0.00 112
2018-05-01 $291,175 (-10.8%) $366,323 (5.5%) 0.00 107
2018-06-01 $280,000 (-7.1%) $356,804 (7.6%) 0.00 104
2018-07-01 $286,700 (-4.4%) $370,573 (11.2%) 0.00 102
2018-08-01 $275,975 (-0.2%) $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 (1.9%) $338,906 (6.3%) 0.00 115
2018-11-01 $264,125 (-2.5%) $346,470 (7.0%) 0.00 106
2018-12-01 $258,250 (-4.0%) $355,226 (10.5%) 0.00 90
2019-01-01 $252,225 (-0.5%) $350,075 (14.6%) 0.00 68
2019-02-01 $290,243 (15.9%) $381,162 (21.1%) 0.00 63
2019-03-01 $298,577 (5.5%) $386,628 (10.6%) 0.00 67
2019-04-01 $299,900 (5.4%) $385,860 (7.4%) 0.00 79
2019-05-01 $311,191 (6.9%) $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 $393,675 (39.6%) $521,793 (49.3%) 0.00 36
2021-01-01 $399,900 (39.6%) $526,224 (47.9%) 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 (6.7%) $515,612 (-1.2%) 0.00 31
2022-01-01 $369,000 (-7.7%) $536,632 (2.0%) 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
Laramie's median listing price for 2023-02-01 was $395,000, a difference of $-85,975 (-17.9%) versus the prior year and $4,000 versus the prior month.

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

Laramie's average listing price for 2023-02-01 was $595,638, a difference of $-554,393 (-48.2%) versus the prior year and $836 versus the prior month.

For the 2023-02-01 period, Laramie had 52 MLS listings, a difference of 7 listings (16%) versus the prior month and 30 listings (136%) 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 1,987 sqft
2018-02-01 0 days 2,016 sqft
2018-03-01 0 days 2,154 sqft
2018-04-01 0 days 2,151 sqft
2018-05-01 0 days 2,276 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 2,049 sqft
2018-12-01 0 days 2,044 sqft
2019-01-01 0 days 2,126 sqft
2019-02-01 0 days 2,565 sqft
2019-03-01 0 days 2,565 sqft
2019-04-01 0 days 2,576 sqft
2019-05-01 0 days 2,564 sqft
2019-06-01 0 days 2,468 sqft
2019-07-01 0 days 2,076 sqft
2019-08-01 0 days 2,103 sqft
2019-09-01 0 days 2,120 sqft
2019-10-01 0 days 2,132 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 2,417 sqft
2020-04-01 0 days 2,112 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 2,822 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
Laramie's median listing age (time on market) for 2023-02-01 was 0 days.

Laramie's median square footage for active listings during the 2023-02-01 period was 2,423 sqft. One year prior, the average listing was 2,678 sqft.

Laramie, WY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 549 $165,045,000 $300,628
Cash Out Refi 130 $31,170,000 $239,769
Refi 111 $33,435,000 $301,216
Other 59 $5,615,000 $95,169
Home Improvement 57 $5,235,000 $91,842

Laramie's most frequently cited loan purpose was Home Purchase, with 549 originations. The 2nd most popular reason was Cash Out Refi, with 130 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 236 $70,100,000 $297,034
5-6% 188 $56,710,000 $301,649
3-4% 153 $44,375,000 $290,033
<2.5% 100 $13,210,000 $132,100
6-7% 75 $19,685,000 $262,467
2.5-3% 53 $14,895,000 $281,038
7-8% 21 $2,895,000 $137,857
Over 8% 12 $790,000 $65,833

During 2022, Laramie's most frequently originated rate bucket was 4-5%, with 236 originations.

Loan Sizing (Laramie, WY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 444 $125,620,000 $282,928
$100k-200k 178 $27,340,000 $153,596
$100,000 or less 160 $8,140,000 $50,875
$400k-600k 84 $39,180,000 $466,429
$600k-1000k 29 $19,205,000 $662,241
$Over $1MM 11 $21,015,000 $1,910,455

Laramie's loan sizing saw the bucket of loans from $200k-400k with 444 originations, totaling $125,620,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 292 $95,380,000 $326,644
60-80% 274 $86,680,000 $316,350
40-60% 96 $27,890,000 $290,521
Under 20% 85 $3,635,000 $42,765
20-40% 78 $9,700,000 $124,359
Over 100% 3 $1,345,000 $448,333

Laramie's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 292 originations, totaling $95,380,000 in origination value.