Rock Springs Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Rock Springs averaged 6.51% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.42% and one month ago for the week of 2025-02-27, the average rate was 6.63%.

    Rock Springs's average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Rock Springs 30 Year Fixed Rate 2025-04-03 6.51%
    Rock Springs 30 Year Fixed Rate Refi 2025-04-03 6.54%
    Rock Springs 15 Year Fixed Rate 2025-04-03 5.92%
    Rock Springs 15 Year Fixed Rate Refi 2025-04-03 5.92%
    Rock Springs 30 Year FHA 2025-04-03 5.97%
    Rock Springs 30 Year FHA Refi 2025-04-03 6.36%
    Rock Springs 30 Year USDA 2025-04-03 6.52%
    Rock Springs 30 Year USDA Refi 2025-04-03 6.32%
    Rock Springs 30 Year VA 2025-04-03 5.96%
    Rock Springs 30 Year VA Refi 2025-04-03 6.26%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 39 6.59% $5,198
    QUICKEN LOANS, LLC 29 6.54% $6,426
    U.S. Bank 13 6.47% $4,669
    West Gate Bank 8 6.48% $3,023
    Wells Fargo Bank 6 6.58% $5,749
    Paramount Residential Mortgage Group, Inc. 5 6.93% $5,505
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.55% $5,571
    PLAZA HOME MORTGAGE, INC. 4 7.06% $6,235
    Glacier Bank 4 6.44% $2,738
    Utah Power 3 6.33% $4,576
    CROSSCOUNTRY MORTGAGE, LLC 3 6.45% $6,005
    UNION HOME MORTGAGE CORP. 2 5.94% $5,100
    PREMIA MORTGAGE, LLC 2 6.55% $288
    First Interstate Bank 2 7.06% $4,061
    Flanagan State Bank 2 7.13% $5,553
    Mr. Cooper ( Nationstar Mortgage ) 2 6.13% $3,506
    BROKER SOLUTIONS, INC. 2 7.81% $10,421
    Sierra Pacific Mortgage Company, Inc. 1 6.88% $6,834
    The Federal Savings Bank 1 9.00% $9,218
    TOWNE MORTGAGE COMPANY 1 6.63% $3,739
    USAA Federal Savings Bank 1 6.63% $2,603
    Utah Mortgage Loan Corporation 1 6.13% $6,425
    21ST MORTGAGE CORPORATION 1 9.23% $5,170
    WYHY 1 7.00% $6,579
    Bank of Utah 1 6.00% $5,120
    BETTER MORTGAGE CORPORATION 1 6.50% $2,504
    CHURCHILL MORTGAGE CORPORATION 1 7.13% $3,851
    Citadel Servicing Corporation 1 8.88% $13,112
    Citibank 1 6.88% $2,651
    Farm Credit Mid-America, ACA 1 8.00% $5,819
    FREEDOM MORTGAGE CORPORATION 1 6.38% $5,113
    Gateway First Bank 1 6.88% $2,651
    GUARANTEED RATE AFFINITY, LLC 1 7.13% $0
    JPMorgan Chase Bank 1 6.50% $7,328
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.13% $7,015
    MOUNTAIN AMERICA 1 6.13% $7,032
    NEXERA HOLDING LLC 1 7.63% $14,591
    Northpointe Bank 1 7.38% $6,078
    PENNYMAC LOAN SERVICES, LLC 1 6.99% $9,928
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.63% $10,102

    Rock Springs Average Closing Costs & Other Stats

    Rock Springs, WY's 40 lenders originated 624 loans during 2024. The total origination value was $142,320,000, with an average loan value of $228,077.

    Rock Springs's average closing costs are $5,571.

    The top Rock Springs lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 39 loans originated. Their average total fees are $5,198, which is $1,228 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Rock Springs lenders (with over 10 loans originated) are U.S. Bank ($4,669), UNITED WHOLESALE MORTGAGE, LLC ($5,198), QUICKEN LOANS, LLC ($6,426), .

    The lowest rate Rock Springs lenders (with over 10 loans originated) are U.S. Bank (6.47%), QUICKEN LOANS, LLC (6.54%), UNITED WHOLESALE MORTGAGE, LLC (6.59%), .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $36,245,000 $46,425,000 28.1% 32.6%
    QUICKEN LOANS, LLC $10,675,000 $15,745,000 47.5% 11.1%
    U.S. Bank $4,905,000 $7,420,000 51.3% 5.2%
    Paramount Residential Mortgage Group, Inc. $6,825,000 $5,890,000 -13.7% 4.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $4,165,000 $4,535,000 8.9% 3.2%
    Mortgage Research Center, LLC $1,140,000 $4,420,000 287.7% 3.1%
    West Gate Bank $1,715,000 $3,505,000 104.4% 2.5%
    Wells Fargo Bank $2,450,000 $2,860,000 16.7% 2.0%
    UNION HOME MORTGAGE CORP. $1,415,000 $2,675,000 89.0% 1.9%
    Flanagan State Bank $6,005,000 $2,430,000 -59.5% 1.7%
    WYHY $340,000 $2,320,000 582.4% 1.6%
    Glacier Bank $2,905,000 $2,315,000 -20.3% 1.6%
    FREEDOM MORTGAGE CORPORATION $500,000 $2,225,000 345.0% 1.6%
    CROSSCOUNTRY MORTGAGE, LLC $385,000 $1,985,000 415.6% 1.4%
    PLAZA HOME MORTGAGE, INC. $1,800,000 n/a 1.3%
    GUILD MORTGAGE COMPANY $2,690,000 $1,730,000 -35.7% 1.2%
    USAA Federal Savings Bank $165,000 $1,350,000 718.2% 0.9%
    PENNYMAC LOAN SERVICES, LLC $1,045,000 $1,240,000 18.7% 0.9%
    NEWREZ LLC $780,000 $1,205,000 54.5% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $600,000 $1,130,000 88.3% 0.8%
    The Federal Savings Bank $700,000 $1,045,000 49.3% 0.7%
    BROKER SOLUTIONS, INC. $925,000 $1,030,000 11.4% 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,915,000 $1,015,000 -47.0% 0.7%
    NEW DAY FINANCIAL, LLC $985,000 n/a 0.7%
    LAKEVIEW LOAN SERVICING, LLC $935,000 n/a 0.7%
    MOUNTAIN AMERICA $710,000 $910,000 28.2% 0.6%
    Citibank $905,000 n/a 0.6%
    Gateway First Bank $195,000 $905,000 364.1% 0.6%
    Carrington Mortgage Services, LLC $880,000 n/a 0.6%
    Utah Power $1,680,000 $870,000 -48.2% 0.6%
    First Interstate Bank $865,000 n/a 0.6%
    TOWNE MORTGAGE COMPANY $245,000 $835,000 240.8% 0.6%
    VILLAGE CAPITAL MORTGAGE $780,000 n/a 0.5%
    Discover Bank $225,000 $735,000 226.7% 0.5%
    NEXERA HOLDING LLC $435,000 $730,000 67.8% 0.5%
    PHH Mortgage Corporation $690,000 n/a 0.5%
    LOANDEPOT.COM, LLC $340,000 $680,000 100.0% 0.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $640,000 n/a 0.4%
    Barrington Bank & Trust Company, N.A. $835,000 $570,000 -31.7% 0.4%
    PREMIA MORTGAGE, LLC $500,000 $530,000 6.0% 0.4%
    21ST MORTGAGE CORPORATION $440,000 $525,000 19.3% 0.4%
    BMO Harris Bank $620,000 $500,000 -19.4% 0.4%
    Figure Lending LLC $190,000 $465,000 144.7% 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $365,000 $450,000 23.3% 0.3%
    BETTER MORTGAGE CORPORATION $435,000 n/a 0.3%
    INTERCAP LENDING INC. $670,000 $435,000 -35.1% 0.3%
    JPMorgan Chase Bank $385,000 $435,000 13.0% 0.3%
    GUARANTEED RATE AFFINITY, LLC $395,000 n/a 0.3%
    NBKC BANK $395,000 n/a 0.3%
    VAN DYK MORTGAGE CORPORATION $385,000 n/a 0.3%
    Meridian Trust Federal Credit Union $735,000 $370,000 -49.7% 0.3%
    CHURCHILL MORTGAGE CORPORATION $270,000 $360,000 33.3% 0.3%
    First Western Trust Bank $410,000 $355,000 -13.4% 0.2%
    PANORAMA MORTGAGE GROUP, LLC $350,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $390,000 $345,000 -11.5% 0.2%
    Citadel Servicing Corporation $335,000 n/a 0.2%
    Farm Credit Mid-America, ACA $245,000 $315,000 28.6% 0.2%
    Northpointe Bank $325,000 $305,000 -6.2% 0.2%
    Sierra Pacific Mortgage Company, Inc. $305,000 n/a 0.2%
    Wallick & Volk, Inc. $220,000 $300,000 36.4% 0.2%
    Jonah Bank of Wyoming $290,000 n/a 0.2%
    COMMUNITYAMERICA $265,000 n/a 0.2%
    Bank of Utah $255,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $245,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $235,000 n/a 0.2%
    Utah Mortgage Loan Corporation $235,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $400,000 $230,000 -42.5% 0.2%
    AmeriHome Mortgage Company, LLC $215,000 n/a 0.2%
    PLANET HOME LENDING, LLC $215,000 n/a 0.2%
    BAY EQUITY LLC $640,000 $195,000 -69.5% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $400,000 $195,000 -51.3% 0.1%
    Flagstar Bank, FSB $180,000 $180,000 0.0% 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $225,000 $175,000 -22.2% 0.1%
    Wyoming Bank & Trust $165,000 n/a 0.1%
    Servion, Inc. $590,000 $125,000 -78.8% 0.1%
    PNC Bank $730,000 $85,000 -88.4% 0.1%
    BANKWEST, INC. $145,000 $60,000 -58.6% 0.0%
    Coastal Community Bank $140,000 $60,000 -57.1% 0.0%
    RELIANCE FIRST CAPITAL, LLC $175,000 $55,000 -68.6% 0.0%
    SPRING EQ, LLC $45,000 n/a 0.0%
    Bank of America $25,000 $35,000 40.0% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $35,000 $35,000 0.0% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $25,000 n/a 0.0%

    Rock Springs's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 32.6% market share. In second place, with 11.1%, is QUICKEN LOANS, LLC, having originated $15,745,000 in loans. In third place, with 5.2%, is U.S. Bank, having originated $7,420,000 in loans. In fourth place, with 4.1%, is Paramount Residential Mortgage Group, Inc., having originated $5,890,000 in loans. In fifth place, with 3.2%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $4,535,000 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
    2025-03-01 $362,500 (29.5%) $405,544 (20.8%) 0.00 69
    Rock Springs's median listing price for 2025-03-01 was $362,500, a difference of $82,500 (29.5%) versus the prior year and $31,050 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 2025-03-01 was $405,544, a difference of $69,706 (20.8%) versus the prior year and $25,594 versus the prior month.

    For the 2025-03-01 period, Rock Springs had 69 MLS listings, a difference of -3 listings (-4%) versus the prior month and 0 listings (0%) 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
    2025-03-01 0 days 2,388 sqft
    Rock Springs's median listing age (time on market) for 2025-03-01 was 0 days.

    Rock Springs's median square footage for active listings during the 2025-03-01 period was 2,388 sqft. One year prior, the average listing was 2,115 sqft.

    Rock Springs, WY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 385 $100,775,000 $261,753
    Cash Out Refi 109 $20,765,000 $190,505
    Other 54 $4,770,000 $88,333
    Refi 50 $14,190,000 $283,800
    Home Improvement 26 $1,820,000 $70,000

    Rock Springs's most frequently cited loan purpose was Home Purchase, with 385 originations. The 2nd most popular reason was Cash Out Refi, with 109 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 306 $78,980,000 $258,105
    5-6% 120 $34,280,000 $285,667
    Over 8% 105 $8,765,000 $83,476
    7-8% 73 $16,705,000 $228,836
    4-5% 7 $2,405,000 $343,571
    <2.5% 6 $620,000 $103,333
    2.5-3% 1 $145,000 $145,000

    During 2024, Rock Springs's most frequently originated rate bucket was 6-7%, with 306 originations.

    Loan Sizing (Rock Springs, WY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 300 $83,710,000 $279,033
    $100k-200k 133 $20,755,000 $156,053
    $100,000 or less 126 $6,510,000 $51,667
    $400k-600k 60 $27,590,000 $459,833
    $600k-1000k 5 $3,755,000 $751,000

    Rock Springs's loan sizing saw the bucket of loans from $200k-400k with 300 originations, totaling $83,710,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 321 $90,255,000 $281,168
    60-80% 108 $27,890,000 $258,241
    Under 20% 76 $3,320,000 $43,684
    20-40% 55 $5,975,000 $108,636
    40-60% 38 $6,910,000 $181,842
    Over 100% 12 $3,830,000 $319,167

    Rock Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 321 originations, totaling $90,255,000 in origination value.