Riverton Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Riverton averaged
6.58%
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
6.61% and
one month ago for the week of 2025-05-15, the
average rate was 6.98%.
Riverton's average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.21%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Riverton 30 Year Fixed Rate | 2025-06-18 | 6.58% |
| Riverton 30 Year Fixed Rate Refi | 2025-06-18 | 7.21% |
| Riverton 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Riverton 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Riverton 30 Year FHA | 2025-06-18 | 0% |
| Riverton 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Riverton 30 Year USDA | 2025-06-18 | -0.1% |
| Riverton 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Riverton 30 Year VA | 2025-06-18 | -0.1% |
| Riverton 30 Year VA Refi | 2025-06-18 | 0% |
Riverton 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 Riverton, 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.).
Riverton Average Closing Costs & Other Stats
Riverton, WY's 55 lenders originated 483
loans during 2024. The total origination value was $106,975,000, with an average loan value of
$221,480.
Riverton's average closing costs are $5,401.
The top Riverton lender as defined by loan originations is QUICKEN LOANS, LLC, with
22 loans originated. Their average total fees are
$7,604, which is $1,937
higher than the next largest lender,
Flagstar Bank, FSB.
The lowest fee Riverton lenders (with over 10 loans originated) are
GUILD MORTGAGE COMPANY ($4,149), GUARANTEED RATE, INC. ($4,985), Flagstar Bank, FSB ($5,667), Plains Commerce Bank ($6,044) and QUICKEN LOANS, LLC ($7,604).
The lowest rate Riverton lenders (with over 10 loans originated) are
GUARANTEED RATE, INC. (6.52%), Flagstar Bank, FSB (6.57%), QUICKEN LOANS, LLC (6.71%), GUILD MORTGAGE COMPANY (6.84%) and Plains Commerce Bank (6.85%).
Riverton, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $10,485,000 | $13,930,000 | 32.9% | 13.0% |
| First Interstate Bank | $6,895,000 | $6,520,000 | -5.4% | 6.1% |
| Plains Commerce Bank | $3,045,000 | $6,265,000 | 105.7% | 5.9% |
| Flagstar Bank, FSB | $2,280,000 | $5,965,000 | 161.6% | 5.6% |
| GUILD MORTGAGE COMPANY | $4,605,000 | $5,900,000 | 28.1% | 5.5% |
| GUARANTEED RATE, INC. | $4,385,000 | $4,895,000 | 11.6% | 4.6% |
| CMG MORTGAGE, INC. | $1,575,000 | $4,125,000 | 161.9% | 3.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,250,000 | $3,240,000 | 44.0% | 3.0% |
| U.S. Bank | $740,000 | $2,945,000 | 298.0% | 2.8% |
| Central Bank & Trust | $7,520,000 | $2,875,000 | -61.8% | 2.7% |
| CENTENNIAL LENDING, LLC | $400,000 | $2,405,000 | 501.3% | 2.2% |
| Mortgage Research Center, LLC | $3,510,000 | $2,290,000 | -34.8% | 2.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,440,000 | $2,025,000 | 40.6% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $1,015,000 | $1,800,000 | 77.3% | 1.7% |
| Meridian Trust Federal Credit Union | $2,340,000 | $1,650,000 | -29.5% | 1.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $480,000 | $1,580,000 | 229.2% | 1.5% |
| BMO Harris Bank | $435,000 | $1,530,000 | 251.7% | 1.4% |
| PLAZA HOME MORTGAGE, INC. | $1,285,000 | n/a | 1.2% | |
| NBH Bank | $305,000 | $1,255,000 | 311.5% | 1.2% |
| Jonah Bank of Wyoming | $585,000 | $1,095,000 | 87.2% | 1.0% |
| LOANDEPOT.COM, LLC | $1,050,000 | n/a | 1.0% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,035,000 | $1,020,000 | -1.4% | 1.0% |
| CHURCHILL MORTGAGE CORPORATION | $995,000 | n/a | 0.9% | |
| Mr. Cooper ( Nationstar Mortgage ) | $360,000 | $985,000 | 173.6% | 0.9% |
| Wells Fargo Bank | $1,150,000 | $930,000 | -19.1% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $630,000 | $790,000 | 25.4% | 0.7% |
| Zions Bank | $105,000 | $785,000 | 647.6% | 0.7% |
| USAA Federal Savings Bank | $1,395,000 | $695,000 | -50.2% | 0.6% |
| PNC Bank | $305,000 | $680,000 | 123.0% | 0.6% |
| Barrington Bank & Trust Company, N.A. | $205,000 | $670,000 | 226.8% | 0.6% |
| Farm Credit Mid-America, ACA | $55,000 | $645,000 | 1,072.7% | 0.6% |
| M&T Bank | $175,000 | $620,000 | 254.3% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,405,000 | $585,000 | -58.4% | 0.5% |
| MID AMERICA MORTGAGE, INC. | $375,000 | $570,000 | 52.0% | 0.5% |
| Servion, Inc. | $115,000 | $565,000 | 391.3% | 0.5% |
| AmeriHome Mortgage Company, LLC | $560,000 | n/a | 0.5% | |
| LONGBRIDGE FINANCIAL, LLC | $550,000 | n/a | 0.5% | |
| Pinnacle Bank - Wyoming | $540,000 | n/a | 0.5% | |
| Flanagan State Bank | $535,000 | n/a | 0.5% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $535,000 | n/a | 0.5% | |
| Glacier Bank | $310,000 | $525,000 | 69.4% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $505,000 | n/a | 0.5% | |
| Commerce Bank | $505,000 | n/a | 0.5% | |
| AXIA FINANCIAL, LLC | $690,000 | $475,000 | -31.2% | 0.4% |
| LEADERONE FINANCIAL CORPORATION | $475,000 | n/a | 0.4% | |
| OPEN MORTGAGE, LLC | $450,000 | n/a | 0.4% | |
| MOUNTAIN AMERICA | $430,000 | n/a | 0.4% | |
| Century Mortgage Company DBA Century Lending Company | $415,000 | n/a | 0.4% | |
| First National Bank of Omaha | $415,000 | n/a | 0.4% | |
| INTERCAP LENDING INC. | $405,000 | n/a | 0.4% | |
| KINECTA | $405,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $415,000 | $405,000 | -2.4% | 0.4% |
| 21ST MORTGAGE CORPORATION | $65,000 | $400,000 | 515.4% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $390,000 | $395,000 | 1.3% | 0.4% |
| WYHY | $175,000 | $380,000 | 117.1% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $365,000 | n/a | 0.3% | |
| VERITAS FUNDING, LLC | $275,000 | $365,000 | 32.7% | 0.3% |
| BAY EQUITY LLC | $235,000 | $345,000 | 46.8% | 0.3% |
| Wallick & Volk, Inc. | $1,790,000 | $340,000 | -81.0% | 0.3% |
| HOMESTEAD FUNDING CORP. | $325,000 | n/a | 0.3% | |
| IDAHO STATE UNIVERSITY | $325,000 | n/a | 0.3% | |
| PENTAGON FEDERAL CREDIT UNION | $325,000 | $325,000 | 0.0% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $295,000 | $315,000 | 6.8% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $265,000 | $315,000 | 18.9% | 0.3% |
| A&D Mortgage LLC | $295,000 | n/a | 0.3% | |
| First Federal Bank | $295,000 | n/a | 0.3% | |
| WESTERN VISTA | $290,000 | n/a | 0.3% | |
| MOVEMENT MORTGAGE, LLC | $565,000 | $275,000 | -51.3% | 0.3% |
| ON Q FINANCIAL, INC. | $270,000 | n/a | 0.3% | |
| First State Bank of St. Charles, Missouri | $225,000 | $265,000 | 17.8% | 0.2% |
| JPMorgan Chase Bank | $995,000 | $265,000 | -73.4% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $265,000 | n/a | 0.2% | |
| DUPACO COMMUNITY | $245,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $235,000 | $245,000 | 4.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $245,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $245,000 | n/a | 0.2% | |
| BETTER MORTGAGE CORPORATION | $95,000 | $240,000 | 152.6% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $405,000 | $235,000 | -42.0% | 0.2% |
| Equity Prime Mortgage LLC | $235,000 | $235,000 | 0.0% | 0.2% |
| BOKF | $225,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $165,000 | $225,000 | 36.4% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $205,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $265,000 | $195,000 | -26.4% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $175,000 | n/a | 0.2% | |
| ASHLAND Credit Union | $175,000 | n/a | 0.2% | |
| NEWREZ LLC | $460,000 | $175,000 | -62.0% | 0.2% |
| Commerce Home Mortgage, Inc. | $155,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $470,000 | $150,000 | -68.1% | 0.1% |
| Blue Federal Credit Union | $145,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $145,000 | n/a | 0.1% | |
| FirstBank | $135,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $125,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $125,000 | n/a | 0.1% | |
| Lincoln FSB of Nebraska | $115,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $115,000 | n/a | 0.1% | |
| CHEVRON | $105,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $125,000 | $105,000 | -16.0% | 0.1% |
| Carrington Mortgage Services, LLC | $410,000 | $95,000 | -76.8% | 0.1% |
| Stride Bank | $95,000 | n/a | 0.1% | |
| Discover Bank | $215,000 | $90,000 | -58.1% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $1,140,000 | $75,000 | -93.4% | 0.1% |
| RESIDENTIAL BANCORP | $75,000 | n/a | 0.1% | |
| ADVANTAGE PLUS | $65,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $685,000 | $65,000 | -90.5% | 0.1% |
| Coastal Community Bank | $15,000 | $50,000 | 233.3% | 0.0% |
| Figure Lending LLC | $410,000 | $50,000 | -87.8% | 0.0% |
Riverton's top lender by overall market share is QUICKEN LOANS, LLC, with 13.0% market share. In second place, with 6.1%, is First Interstate Bank, having originated $6,520,000 in loans. In third place, with 5.9%, is Plains Commerce Bank, having originated $6,265,000 in loans. In fourth place, with 5.6%, is Flagstar Bank, FSB, having originated $5,965,000 in loans. In fifth place, with 5.5%, is GUILD MORTGAGE COMPANY, having originated $5,900,000 in loans.
Riverton, WY Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 263 | $68,355,000 | $259,905 |
| Cash Out Refi | 83 | $16,925,000 | $203,916 |
| Refi | 67 | $15,805,000 | $235,896 |
| Home Improvement | 38 | $2,910,000 | $76,579 |
| Other | 32 | $2,980,000 | $93,125 |
Riverton's most frequently cited loan purpose was Home Purchase, with 263 originations. The 2nd most popular reason was Cash Out Refi, with 83 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 225 | $59,835,000 | $265,933 |
| Over 8% | 83 | $7,265,000 | $87,530 |
| 7-8% | 77 | $19,175,000 | $249,026 |
| 5-6% | 67 | $17,025,000 | $254,104 |
| <2.5% | 8 | $100,000 | $12,500 |
| 4-5% | 3 | $665,000 | $221,667 |
During 2024, Riverton's most frequently originated rate bucket was 6-7%, with 225 originations.
Loan Sizing (Riverton, WY MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 216 | $58,920,000 | $272,778 |
| $100k-200k | 121 | $17,915,000 | $148,058 |
| $100,000 or less | 96 | $4,980,000 | $51,875 |
| $400k-600k | 43 | $20,165,000 | $468,953 |
| $600k-1000k | 6 | $3,990,000 | $665,000 |
| $Over $1MM | 1 | $1,005,000 | $1,005,000 |
Riverton's loan sizing saw the bucket of loans from $200k-400k with 216 originations, totaling $58,920,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 184 | $53,620,000 | $291,413 |
| 60-80% | 90 | $24,160,000 | $268,444 |
| Under 20% | 68 | $3,320,000 | $48,824 |
| 20-40% | 54 | $6,970,000 | $129,074 |
| 40-60% | 51 | $11,185,000 | $219,314 |
| Over 100% | 6 | $2,200,000 | $366,667 |
Riverton's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 184 originations, totaling $53,620,000 in origination value.