Riverton Mortgage Rates & Closing Costs

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Riverton, WY.

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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 22 6.71% $7,604
Flagstar Bank, FSB 20 6.57% $5,667
Plains Commerce Bank 14 6.85% $6,044
GUARANTEED RATE, INC. 13 6.52% $4,985
GUILD MORTGAGE COMPANY 13 6.84% $4,149
CMG MORTGAGE, INC. 8 7.00% $5,297
UNITED WHOLESALE MORTGAGE, LLC 6 6.73% $4,899
U.S. Bank 4 6.71% $4,187
Wells Fargo Bank 4 6.22% $4,205
First Interstate Bank 3 6.63% $4,874
NBH Bank 3 6.54% $9,138
BMO Harris Bank 3 7.00% $4,003
PLAZA HOME MORTGAGE, INC. 3 7.29% $7,209
CENTENNIAL LENDING, LLC 3 6.25% $5,010
Servion, Inc. 3 6.92% $4,203
Meridian Trust Federal Credit Union 3 6.54% $3,179
PNC Bank 2 6.44% $4,695
CHURCHILL MORTGAGE CORPORATION 2 7.06% $4,132
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.75% $4,684
INTERCAP LENDING INC. 1 7.50% $4,119
Jonah Bank of Wyoming 1 6.63% $6,995
JPMorgan Chase Bank 1 6.38% $1,945
KINECTA 1 7.13% $4,983
LEADERONE FINANCIAL CORPORATION 1 6.88% $9,701
LOANDEPOT.COM, LLC 1 5.99% $7,036
MOUNTAIN AMERICA 1 6.88% $5,250
MOVEMENT MORTGAGE, LLC 1 5.88% $9,344
Mr. Cooper ( Nationstar Mortgage ) 1 6.13% $4,803
M&T Bank 1 7.00% $12,076
NEWREZ LLC 1 7.88% $7,044
SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $9,893
Stride Bank 1 6.50% $3,177
The Loan Store, Inc. 1 6.38% $2,836
Wallick & Volk, Inc. 1 7.00% $5,264
ZILLOW HOME LOANS, LLC 1 7.13% $4,282
ADVANTAGE PLUS 1 5.88% $3,048
Zions Bank 1 6.13% $4,750
American Mortgage & Equity Consultants, Inc. 1 6.88% $3,439
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.63% $12,520
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.49% $8,339
Barrington Bank & Trust Company, N.A. 1 6.38% $6,705
BETTER MORTGAGE CORPORATION 1 6.00% $4,345
BOKF 1 6.13% $4,528
Commerce Bank 1 6.88% $1,839
CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $4,354
DUPACO COMMUNITY 1 5.63% $2,491
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $6,712
Farm Credit Mid-America, ACA 1 6.88% $10,316
FirstBank 1 6.63% $2,877
First Federal Bank 1 6.38% $5,099
First National Bank of Omaha 1 7.13% $5,561
Flanagan State Bank 1 7.13% $9,273
Glacier Bank 1 7.25% $5,149
HOMESTEAD FUNDING CORP. 1 6.38% $3,586
IDAHO STATE UNIVERSITY 1 8.13% $10,774

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.