Rock Springs Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Rock Springs averaged 5.98% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 5.84% and one month ago for the week of 2024-08-29, the average rate was 6.11%.

Rock Springs's average rate one year ago was 7.07%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.72%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Rock Springs 30 Year Fixed Rate 2024-10-03 5.98%
Rock Springs 30 Year Fixed Rate Refi 2024-10-03 6.72%
Rock Springs 15 Year Fixed Rate 2024-10-03 5.15%
Rock Springs 15 Year Fixed Rate Refi 2024-10-03 5.65%
Rock Springs 30 Year FHA 2024-10-03 5.84%
Rock Springs 30 Year FHA Refi 2024-10-03 5.69%
Rock Springs 30 Year USDA 2024-10-03 5.77%
Rock Springs 30 Year USDA Refi 2024-10-03 5.87%
Rock Springs 30 Year VA 2024-10-03 5.8%
Rock Springs 30 Year VA Refi 2024-10-03 5.5%
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 $328,750 (14.4%) $379,236 (10.0%) 0.00 80
2024-06-01 $323,500 (2.7%) $386,479 (13.2%) 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
Rock Springs's median listing price for 2024-09-01 was $310,000, a difference of $-5,000 (-1.6%) versus the prior year and $-20,000 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 2024-09-01 was $363,241, a difference of $28,475 (8.5%) versus the prior year and $-25,068 versus the prior month.

For the 2024-09-01 period, Rock Springs had 87 MLS listings, a difference of 2 listings (2%) versus the prior month and -16 listings (-16%) 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 2,192 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
Rock Springs's median listing age (time on market) for 2024-09-01 was 0 days.

Rock Springs's median square footage for active listings during the 2024-09-01 period was 2,241 sqft. One year prior, the average listing was 2,280 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.