Rock Springs Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Rock Springs averaged 6.53% for the week of 2025-03-20, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-03-13) was 6.71% and one month ago for the week of 2025-02-13, the average rate was 6.73%.

    Rock Springs's average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-03-20, the average rate was 6.97%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-03-20 6.67%
    Rock Springs 30 Year Fixed Rate 2025-03-20 6.53%
    Rock Springs 30 Year Fixed Rate Refi 2025-03-20 6.97%
    Rock Springs 15 Year Fixed Rate 2025-03-20 5.73%
    Rock Springs 15 Year Fixed Rate Refi 2025-03-20 6.23%
    Rock Springs 30 Year FHA 2025-03-20 6.19%
    Rock Springs 30 Year FHA Refi 2025-03-20 6.24%
    Rock Springs 30 Year USDA 2025-03-20 6.18%
    Rock Springs 30 Year USDA Refi 2025-03-20 6.38%
    Rock Springs 30 Year VA 2025-03-20 6.18%
    Rock Springs 30 Year VA Refi 2025-03-20 6.18%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Rock Springs, WY.

    Rock Springs 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 Rock Springs, 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
    UNITED WHOLESALE MORTGAGE, LLC 36 6.56% $5,087
    QUICKEN LOANS, LLC 18 6.82% $5,977
    West Gate Bank 6 6.33% $3,173
    Paramount Residential Mortgage Group, Inc. 6 7.42% $6,762
    GUILD MORTGAGE COMPANY 6 6.58% $8,452
    U.S. Bank 6 6.85% $6,761
    Wells Fargo Bank 5 7.30% $4,564
    Utah Power 5 5.73% $4,532
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.50% $6,885
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.67% $4,584
    Glacier Bank 3 7.38% $6,467
    BMO Harris Bank 3 6.58% $4,000
    Flanagan State Bank 3 7.17% $6,260
    First National Bank of America 2 9.94% $7,155
    AMERISAVE MORTGAGE CORPORATION 2 6.06% $9,652
    BROKER SOLUTIONS, INC. 2 7.06% $3,482
    CRESCENT MORTGAGE COMPANY 2 7.44% $4,529
    First Western Trust Bank 2 6.06% $2,812
    INTERCAP LENDING INC. 2 7.00% $5,447
    ZILLOW HOME LOANS, LLC 1 6.38% $7,230
    JPMorgan Chase Bank 1 5.75% $3,688
    LOANDEPOT.COM, LLC 1 7.50% $6,771
    Meridian Trust Federal Credit Union 1 7.13% $2,191
    Morgan Stanley Private Bank 1 6.15% $3,312
    Mr. Cooper ( Nationstar Mortgage ) 1 8.13% $3,969
    Gateway First Bank 1 6.13% $7,277
    MY MOVE MORTGAGE, LLC 1 6.75% $2,403
    NEXERA HOLDING LLC 1 9.00% $13,301
    FREEDOM MORTGAGE CORPORATION 1 7.75% $3,533
    PENNYMAC LOAN SERVICES, LLC 1 6.50% $9,525
    PNC Bank 1 6.38% $2,245
    PREMIA MORTGAGE, LLC 1 5.88% $875
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $4,082
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $5,917
    Flagstar Bank, FSB 1 6.63% $5,193
    RBC Bank, (Georgia) 1 6.63% $2,307
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.50% $14,126
    Servion, Inc. 1 6.38% $5,160
    ACADEMY MORTGAGE CORPORATION 1 7.25% $7,055
    Farm Credit Mid-America, ACA 1 7.25% $5,770
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.75% $4,732
    UTILITIES EMPLOYEES CREDIT UNION 1 5.75% $3,510
    CHURCHILL MORTGAGE CORPORATION 1 5.99% $3,120
    BAY EQUITY LLC 1 7.49% $9,816
    GOLDENWEST 1 6.38% $2,966

    Rock Springs Average Closing Costs & Other Stats

    Rock Springs, WY's 45 lenders originated 514 loans during 2023. The total origination value was $111,740,000, with an average loan value of $217,393.

    Rock Springs's average closing costs are $5,343.

    The top Rock Springs lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 36 loans originated. Their average total fees are $5,087, which is $890 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Rock Springs lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($5,087), QUICKEN LOANS, LLC ($5,977), .

    The lowest rate Rock Springs lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.56%), QUICKEN LOANS, LLC (6.82%), .

    Rock Springs, 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
    UNITED WHOLESALE MORTGAGE, LLC $26,000,000 $36,245,000 39.4% 32.4%
    QUICKEN LOANS, LLC $16,650,000 $10,675,000 -35.9% 9.6%
    Paramount Residential Mortgage Group, Inc. $6,825,000 n/a 6.1%
    Flanagan State Bank $6,470,000 $6,005,000 -7.2% 5.4%
    U.S. Bank $7,190,000 $4,905,000 -31.8% 4.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $3,425,000 $4,165,000 21.6% 3.7%
    Glacier Bank $6,630,000 $2,905,000 -56.2% 2.6%
    GUILD MORTGAGE COMPANY $4,405,000 $2,690,000 -38.9% 2.4%
    Wells Fargo Bank $10,755,000 $2,450,000 -77.2% 2.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $875,000 $1,915,000 118.9% 1.7%
    West Gate Bank $4,825,000 $1,715,000 -64.5% 1.5%
    Utah Power $2,555,000 $1,680,000 -34.2% 1.5%
    UNION HOME MORTGAGE CORP. $1,415,000 n/a 1.3%
    CRESCENT MORTGAGE COMPANY $2,925,000 $1,255,000 -57.1% 1.1%
    Mortgage Research Center, LLC $3,640,000 $1,140,000 -68.7% 1.0%
    PENNYMAC LOAN SERVICES, LLC $1,065,000 $1,045,000 -1.9% 0.9%
    BROKER SOLUTIONS, INC. $845,000 $925,000 9.5% 0.8%
    Barrington Bank & Trust Company, N.A. $430,000 $835,000 94.2% 0.7%
    NEWREZ LLC $855,000 $780,000 -8.8% 0.7%
    Morgan Stanley Private Bank $775,000 n/a 0.7%
    Meridian Trust Federal Credit Union $2,465,000 $735,000 -70.2% 0.7%
    PNC Bank $285,000 $730,000 156.1% 0.7%
    MOUNTAIN AMERICA $2,445,000 $710,000 -71.0% 0.6%
    The Federal Savings Bank $235,000 $700,000 197.9% 0.6%
    INTERCAP LENDING INC. $500,000 $670,000 34.0% 0.6%
    BAY EQUITY LLC $725,000 $640,000 -11.7% 0.6%
    BMO Harris Bank $620,000 n/a 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $910,000 $600,000 -34.1% 0.5%
    Servion, Inc. $325,000 $590,000 81.5% 0.5%
    NAVY FEDERAL CREDIT UNION $775,000 $510,000 -34.2% 0.5%
    FREEDOM MORTGAGE CORPORATION $2,175,000 $500,000 -77.0% 0.4%
    PREMIA MORTGAGE, LLC $500,000 n/a 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $170,000 $490,000 188.2% 0.4%
    21ST MORTGAGE CORPORATION $1,455,000 $440,000 -69.8% 0.4%
    NEXERA HOLDING LLC $435,000 n/a 0.4%
    ACADEMY MORTGAGE CORPORATION $280,000 $430,000 53.6% 0.4%
    RBC Bank, (Georgia) $425,000 n/a 0.4%
    First Western Trust Bank $505,000 $410,000 -18.8% 0.4%
    AMERISAVE MORTGAGE CORPORATION $1,355,000 $400,000 -70.5% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $400,000 n/a 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $390,000 n/a 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $1,815,000 $385,000 -78.8% 0.3%
    JPMorgan Chase Bank $1,025,000 $385,000 -62.4% 0.3%
    First National Bank of America $370,000 n/a 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $365,000 n/a 0.3%
    Access Bank $345,000 n/a 0.3%
    The Loan Store, Inc. $345,000 n/a 0.3%
    LOANDEPOT.COM, LLC $4,500,000 $340,000 -92.4% 0.3%
    WYHY $825,000 $340,000 -58.8% 0.3%
    CORNERSTONE HOME LENDING, INC. $335,000 n/a 0.3%
    UTILITIES EMPLOYEES CREDIT UNION $335,000 n/a 0.3%
    Northpointe Bank $325,000 n/a 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $465,000 $325,000 -30.1% 0.3%
    LIMA ONE CAPITAL, LLC $320,000 n/a 0.3%
    ADVANTAGE PLUS $315,000 n/a 0.3%
    Eagle Bank and Trust Company $275,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $315,000 $270,000 -14.3% 0.2%
    First Federal Bank $265,000 n/a 0.2%
    F&M Bank $255,000 n/a 0.2%
    Farm Credit Mid-America, ACA $245,000 n/a 0.2%
    TOWNE MORTGAGE COMPANY $245,000 n/a 0.2%
    Discover Bank $125,000 $225,000 80.0% 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $9,875,000 $225,000 -97.7% 0.2%
    Wallick & Volk, Inc. $205,000 $220,000 7.3% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $205,000 n/a 0.2%
    Platte Valley Bank $200,000 n/a 0.2%
    Gateway First Bank $580,000 $195,000 -66.4% 0.2%
    Figure Lending LLC $205,000 $190,000 -7.3% 0.2%
    Flagstar Bank, FSB $2,730,000 $180,000 -93.4% 0.2%
    RELIANCE FIRST CAPITAL, LLC $175,000 n/a 0.2%
    USAA Federal Savings Bank $625,000 $165,000 -73.6% 0.1%
    ZILLOW HOME LOANS, LLC $165,000 $165,000 0.0% 0.1%
    BANKWEST, INC. $75,000 $145,000 93.3% 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $145,000 n/a 0.1%
    Coastal Community Bank $140,000 n/a 0.1%
    CHERRY CREEK MORTGAGE, LLC $1,740,000 $125,000 -92.8% 0.1%
    LONGBRIDGE FINANCIAL, LLC $115,000 n/a 0.1%
    GOLDENWEST $105,000 n/a 0.1%
    MY MOVE MORTGAGE, LLC $105,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $55,000 $105,000 90.9% 0.1%
    PREMIER MORTGAGE RESOURCES, L.L.C. $95,000 n/a 0.1%
    GTE Federal Credit Union $85,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $35,000 n/a 0.0%
    Stifel Bank and Trust $35,000 n/a 0.0%
    Bank of America $25,000 n/a 0.0%
    Bank of the West $860,000 $25,000 -97.1% 0.0%

    Rock Springs's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 32.4% market share. In second place, with 9.6%, is QUICKEN LOANS, LLC, having originated $10,675,000 in loans. In third place, with 6.1%, is Paramount Residential Mortgage Group, Inc., having originated $6,825,000 in loans. In fourth place, with 5.4%, is Flanagan State Bank, having originated $6,005,000 in loans. In fifth place, with 4.4%, is U.S. Bank, having originated $4,905,000 in loans.

    Rock Springs Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Rock Springs (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 $229,900 (12.2%) $266,166 (13.2%) 0.00 231
    2018-02-01 $229,900 (13.6%) $267,415 (13.7%) 0.00 223
    2018-03-01 $242,000 (9.5%) $270,704 (10.8%) 0.00 217
    2018-04-01 $246,000 (5.8%) $278,099 (7.9%) 0.00 237
    2018-05-01 $243,450 (3.4%) $280,137 (9.4%) 0.00 229
    2018-06-01 $239,000 (-2.1%) $275,272 (4.6%) 0.00 259
    2018-07-01 $239,000 (-1.8%) $271,081 (4.6%) 0.00 261
    2018-08-01 $235,000 (-1.9%) $273,826 (7.3%) 0.00 260
    2018-09-01 $235,000 (-1.5%) $267,813 (4.9%) 0.00 261
    2018-10-01 $234,950 (3.6%) $264,177 (6.7%) 0.00 261
    2018-11-01 $231,450 (3.4%) $265,723 (5.5%) 0.00 243
    2018-12-01 $224,900 (-2.0%) $263,012 (1.2%) 0.00 228
    2019-01-01 $219,900 (-4.4%) $259,019 (-2.7%) 0.00 208
    2019-02-01 $219,925 (-4.3%) $258,331 (-3.4%) 0.00 221
    2019-03-01 $220,143 (-9.0%) $258,320 (-4.6%) 0.00 209
    2019-04-01 $224,900 (-8.6%) $258,401 (-7.1%) 0.00 196
    2019-05-01 $227,000 (-6.8%) $260,777 (-6.9%) 0.00 191
    2019-06-01 $229,900 (-3.8%) $262,644 (-4.6%) 0.00 191
    2019-07-01 $237,625 (-0.6%) $270,528 (-0.2%) 0.00 186
    2019-08-01 $239,818 (2.1%) $271,896 (-0.7%) 0.00 182
    2019-09-01 $244,420 (4.0%) $272,228 (1.7%) 0.00 185
    2019-10-01 $248,000 (5.6%) $272,648 (3.2%) 0.00 191
    2019-11-01 $248,000 (7.2%) $276,698 (4.1%) 0.00 170
    2019-12-01 $239,850 (6.7%) $279,898 (6.4%) 0.00 166
    2020-01-01 $235,225 (7.0%) $273,860 (5.7%) 0.00 169
    2020-02-01 $232,950 (5.9%) $272,153 (5.4%) 0.00 164
    2020-03-01 $228,450 (3.8%) $264,371 (2.3%) 0.00 175
    2020-04-01 $228,000 (1.4%) $273,004 (5.7%) 0.00 171
    2020-05-01 $228,000 (0.4%) $269,334 (3.3%) 0.00 173
    2020-06-01 $232,450 (1.1%) $274,001 (4.3%) 0.00 168
    2020-07-01 $234,075 (-1.5%) $273,309 (1.0%) 0.00 174
    2020-08-01 $232,400 (-3.1%) $274,601 (1.0%) 0.00 178
    2020-09-01 $234,950 (-3.9%) $268,217 (-1.5%) 0.00 179
    2020-10-01 $233,225 (-6.0%) $269,936 (-1.0%) 0.00 174
    2020-11-01 $228,500 (-7.9%) $266,933 (-3.5%) 0.00 159
    2020-12-01 $224,975 (-6.2%) $262,871 (-6.1%) 0.00 152
    2021-01-01 $224,900 (-4.4%) $259,206 (-5.4%) 0.00 139
    2021-02-01 $232,450 (-0.2%) $261,880 (-3.8%) 0.00 125
    2021-03-01 $225,250 (-1.4%) $258,488 (-2.2%) 0.00 117
    2021-04-01 $223,500 (-2.0%) $260,929 (-4.4%) 0.00 105
    2021-05-01 $219,000 (-4.0%) $273,993 (1.7%) 0.00 89
    2021-06-01 $219,750 (-5.5%) $269,502 (-1.6%) 0.00 98
    2021-07-01 $222,000 (-5.2%) $261,195 (-4.4%) 0.00 91
    2021-08-01 $220,000 (-5.3%) $264,879 (-3.5%) 0.00 92
    2021-09-01 $224,900 (-4.3%) $264,222 (-1.5%) 0.00 90
    2021-10-01 $227,500 (-2.5%) $260,237 (-3.6%) 0.00 84
    2021-11-01 $222,450 (-2.7%) $239,272 (-10.4%) 0.00 83
    2021-12-01 $226,550 (0.7%) $242,889 (-7.6%) 0.00 69
    2022-01-01 $225,000 (0.0%) $261,114 (0.7%) 0.00 64
    2022-02-01 $222,200 (-4.4%) $263,492 (0.6%) 0.00 57
    2022-03-01 $230,000 (2.1%) $274,711 (6.3%) 0.00 62
    2022-04-01 $238,000 (6.5%) $294,111 (12.7%) 0.00 58
    2022-05-01 $251,000 (14.6%) $316,710 (15.6%) 0.00 74
    2022-06-01 $229,000 (4.2%) $309,163 (14.7%) 0.00 69
    2022-07-01 $229,900 (3.6%) $333,715 (27.8%) 0.00 75
    2022-08-01 $236,000 (7.3%) $347,857 (31.3%) 0.00 83
    2022-09-01 $241,500 (7.4%) $342,061 (29.5%) 0.00 76
    2022-10-01 $249,450 (9.7%) $355,921 (36.8%) 0.00 68
    2022-11-01 $242,950 (9.2%) $349,909 (46.2%) 0.00 70
    2022-12-01 $255,000 (12.6%) $359,782 (48.1%) 0.00 66
    2023-01-01 $255,000 (13.3%) $335,143 (28.4%) 0.00 64
    2023-02-01 $282,925 (27.3%) $355,007 (34.7%) 0.00 62
    2023-03-01 $302,925 (31.7%) $367,813 (33.9%) 0.00 53
    2023-04-01 $291,000 (22.3%) $366,055 (24.5%) 0.00 56
    2023-05-01 $287,450 (14.5%) $344,901 (8.9%) 0.00 60
    2023-06-01 $314,975 (37.5%) $341,514 (10.5%) 0.00 69
    2023-07-01 $310,000 (34.8%) $340,790 (2.1%) 0.00 87
    2023-08-01 $309,975 (31.4%) $338,541 (-2.7%) 0.00 91
    2023-09-01 $315,000 (30.4%) $334,766 (-2.1%) 0.00 103
    2023-10-01 $311,875 (25.0%) $328,178 (-7.8%) 0.00 90
    2023-11-01 $296,000 (21.8%) $321,567 (-8.1%) 0.00 91
    2023-12-01 $289,000 (13.3%) $326,008 (-9.4%) 0.00 90
    2024-01-01 $289,250 (13.4%) $331,403 (-1.1%) 0.00 73
    2024-02-01 $283,750 (0.3%) $330,125 (-7.0%) 0.00 71
    2024-03-01 $280,000 (-7.6%) $335,838 (-8.7%) 0.00 69
    2024-04-01 $297,500 (2.2%) $353,181 (-3.5%) 0.00 72
    2024-05-01 $322,750 (12.3%) $378,667 (9.8%) 0.00 80
    2024-06-01 $322,000 (2.2%) $380,444 (11.4%) 0.00 84
    2024-07-01 $329,500 (6.3%) $391,846 (15.0%) 0.00 78
    2024-08-01 $330,000 (6.5%) $388,309 (14.7%) 0.00 85
    2024-09-01 $310,000 (-1.6%) $363,241 (8.5%) 0.00 87
    2024-10-01 $324,750 (4.1%) $379,032 (15.5%) 0.00 85
    2024-11-01 $339,000 (14.5%) $382,949 (19.1%) 0.00 86
    2024-12-01 $312,000 (8.0%) $374,833 (15.0%) 0.00 75
    2025-01-01 $332,175 (14.8%) $378,608 (14.2%) 0.00 73
    2025-02-01 $331,450 (16.8%) $379,950 (15.1%) 0.00 72
    Rock Springs's median listing price for 2025-02-01 was $331,450, a difference of $47,700 (16.8%) versus the prior year and $-725 versus the prior month.

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

    Rock Springs's average listing price for 2025-02-01 was $379,950, a difference of $49,825 (15.1%) versus the prior year and $1,342 versus the prior month.

    For the 2025-02-01 period, Rock Springs had 72 MLS listings, a difference of -1 listings (-1%) versus the prior month and 1 listings (1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Rock Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,141 sqft
    2018-02-01 0 days 2,122 sqft
    2018-03-01 0 days 2,166 sqft
    2018-04-01 0 days 2,244 sqft
    2018-05-01 0 days 2,291 sqft
    2018-06-01 0 days 2,176 sqft
    2018-07-01 0 days 2,224 sqft
    2018-08-01 0 days 2,247 sqft
    2018-09-01 0 days 2,222 sqft
    2018-10-01 0 days 2,227 sqft
    2018-11-01 0 days 2,193 sqft
    2018-12-01 0 days 2,176 sqft
    2019-01-01 0 days 2,064 sqft
    2019-02-01 0 days 2,064 sqft
    2019-03-01 0 days 2,064 sqft
    2019-04-01 0 days 2,049 sqft
    2019-05-01 0 days 2,050 sqft
    2019-06-01 0 days 2,049 sqft
    2019-07-01 0 days 2,088 sqft
    2019-08-01 0 days 2,113 sqft
    2019-09-01 0 days 2,158 sqft
    2019-10-01 0 days 2,187 sqft
    2019-11-01 0 days 2,263 sqft
    2019-12-01 0 days 2,136 sqft
    2020-01-01 0 days 2,097 sqft
    2020-02-01 0 days 2,060 sqft
    2020-03-01 0 days 2,056 sqft
    2020-04-01 0 days 2,024 sqft
    2020-05-01 0 days 2,016 sqft
    2020-06-01 0 days 2,035 sqft
    2020-07-01 0 days 2,096 sqft
    2020-08-01 0 days 2,112 sqft
    2020-09-01 0 days 2,112 sqft
    2020-10-01 0 days 2,104 sqft
    2020-11-01 0 days 2,082 sqft
    2020-12-01 0 days 2,013 sqft
    2021-01-01 0 days 1,932 sqft
    2021-02-01 0 days 1,949 sqft
    2021-03-01 0 days 1,971 sqft
    2021-04-01 0 days 1,973 sqft
    2021-05-01 0 days 1,984 sqft
    2021-06-01 0 days 2,016 sqft
    2021-07-01 0 days 1,996 sqft
    2021-08-01 0 days 1,980 sqft
    2021-09-01 0 days 1,953 sqft
    2021-10-01 0 days 2,016 sqft
    2021-11-01 0 days 1,963 sqft
    2021-12-01 0 days 1,967 sqft
    2022-01-01 0 days 1,978 sqft
    2022-02-01 0 days 2,112 sqft
    2022-03-01 0 days 2,142 sqft
    2022-04-01 0 days 2,082 sqft
    2022-05-01 0 days 2,091 sqft
    2022-06-01 0 days 1,980 sqft
    2022-07-01 0 days 2,016 sqft
    2022-08-01 0 days 2,109 sqft
    2022-09-01 0 days 2,104 sqft
    2022-10-01 0 days 1,992 sqft
    2022-11-01 0 days 1,981 sqft
    2022-12-01 0 days 1,976 sqft
    2023-01-01 0 days 1,966 sqft
    2023-02-01 0 days 2,120 sqft
    2023-03-01 0 days 2,187 sqft
    2023-04-01 0 days 2,224 sqft
    2023-05-01 0 days 2,368 sqft
    2023-06-01 0 days 2,456 sqft
    2023-07-01 0 days 2,314 sqft
    2023-08-01 0 days 2,285 sqft
    2023-09-01 0 days 2,280 sqft
    2023-10-01 0 days 2,122 sqft
    2023-11-01 0 days 2,065 sqft
    2023-12-01 0 days 2,100 sqft
    2024-01-01 0 days 2,122 sqft
    2024-02-01 0 days 2,125 sqft
    2024-03-01 0 days 2,115 sqft
    2024-04-01 0 days 2,102 sqft
    2024-05-01 0 days 2,225 sqft
    2024-06-01 0 days 2,207 sqft
    2024-07-01 0 days 2,264 sqft
    2024-08-01 0 days 2,378 sqft
    2024-09-01 0 days 2,241 sqft
    2024-10-01 0 days 2,206 sqft
    2024-11-01 0 days 2,285 sqft
    2024-12-01 0 days 2,194 sqft
    2025-01-01 0 days 2,256 sqft
    2025-02-01 0 days 2,275 sqft
    Rock Springs's median listing age (time on market) for 2025-02-01 was 0 days.

    Rock Springs's median square footage for active listings during the 2025-02-01 period was 2,275 sqft. One year prior, the average listing was 2,125 sqft.

    Rock Springs, WY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 367 $92,525,000 $252,112
    Cash Out Refi 58 $10,760,000 $185,517
    Other 57 $4,875,000 $85,526
    Refi 17 $2,655,000 $156,176
    Home Improvement 15 $925,000 $61,667

    Rock Springs's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Cash Out Refi, with 58 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 199 $50,475,000 $253,643
    5-6% 119 $30,285,000 $254,496
    7-8% 98 $21,530,000 $219,694
    Over 8% 84 $7,600,000 $90,476
    4-5% 6 $1,320,000 $220,000
    <2.5% 3 $105,000 $35,000
    3-4% 1 $195,000 $195,000

    During 2023, Rock Springs's most frequently originated rate bucket was 6-7%, with 199 originations.

    Loan Sizing (Rock Springs, WY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 248 $69,300,000 $279,435
    $100k-200k 120 $18,370,000 $153,083
    $100,000 or less 106 $5,250,000 $49,528
    $400k-600k 37 $16,745,000 $452,568
    $600k-1000k 3 $2,075,000 $691,667

    Rock Springs's loan sizing saw the bucket of loans from $200k-400k with 248 originations, totaling $69,300,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 301 $81,105,000 $269,452
    60-80% 69 $15,965,000 $231,377
    Under 20% 64 $2,530,000 $39,531
    20-40% 35 $3,485,000 $99,571
    40-60% 30 $4,980,000 $166,000
    Over 100% 11 $3,005,000 $273,182

    Rock Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 301 originations, totaling $81,105,000 in origination value.