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 6.81% for the week of 2023-11-30, compared to the national average of 7.22% for the same period.

The average rate for the prior week (2023-11-22) was 7.18% and one month ago for the week of 2023-10-26, the average rate was 7.68%.

Rock Springs's average rate one year ago was 6.37%.

For refis of the same type during the week of 2023-11-30, the average rate was 7.82%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-30 7.22%
Rock Springs 30 Year Fixed Rate 2023-11-30 6.81%
Rock Springs 30 Year Fixed Rate Refi 2023-11-30 7.82%
Rock Springs 15 Year Fixed Rate 2023-11-30 6.66%
Rock Springs 15 Year Fixed Rate Refi 2023-11-30 6.96%
Rock Springs 30 Year FHA 2023-11-30 6.31%
Rock Springs 30 Year FHA Refi 2023-11-30 6.95%
Rock Springs 30 Year USDA 2023-11-30 6.33%
Rock Springs 30 Year USDA Refi 2023-11-30 7%
Rock Springs 30 Year VA 2023-11-30 6.77%
Rock Springs 30 Year VA Refi 2023-11-30 6.87%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 34 5.10% $4,047
QUICKEN LOANS, LLC 31 4.78% $5,953
HOME POINT FINANCIAL CORPORATION 28 4.37% $5,651
Wells Fargo Bank 27 5.20% $3,440
West Gate Bank 16 4.57% $2,604
U.S. Bank 12 4.41% $5,210
LOANDEPOT.COM, LLC 10 4.20% $5,173
MORTGAGE SOLUTIONS OF COLORADO, LLC 9 4.92% $4,394
Flanagan State Bank 9 4.75% $4,882
Glacier Bank 8 4.62% $5,563
AMERICAN PACIFIC MORTGAGE CORPORATION 5 5.35% $5,259
MOUNTAIN AMERICA 5 4.40% $4,829
CRESCENT MORTGAGE COMPANY 5 6.00% $5,835
FREEDOM MORTGAGE CORPORATION 4 5.00% $6,634
Utah Power 4 4.85% $4,132
GUILD MORTGAGE COMPANY 4 5.31% $4,956
CROSSCOUNTRY MORTGAGE, LLC 4 4.81% $5,558
CALIBER HOME LOANS, INC. 3 3.94% $3,921
Meridian Trust Federal Credit Union 3 3.58% $4,639
Plains Commerce Bank 3 4.79% $2,727
EVERETT FINANCIAL, INC. 2 4.43% $2,215
Deseret First Credit Union 2 5.12% $4,649
Jonah Bank of Wyoming 2 4.38% $4,335
Flagstar Bank, FSB 2 3.42% $2,660
JPMorgan Chase Bank 2 4.31% $1,716
First Western Trust Bank 2 4.38% $3,308
Gateway First Bank 2 5.38% $1,246
AMERISAVE MORTGAGE CORPORATION 2 5.06% $4,632
North American Savings Bank, F.S.B. 2 4.06% $3,104
NEWREZ LLC 2 5.25% $5,190
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.31% $6,025
ZILLOW HOME LOANS, LLC 1 6.38% $5,277
Ally Bank 1 3.63% $6,016
AMERICAN FINANCING CORPORATION 1 3.50% $5,738
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.37% $1,575
Bank of the West 1 4.63% $6,086
BROKER SOLUTIONS, INC. 1 4.38% $3,897
CHERRY CREEK MORTGAGE, LLC 1 3.88% $725
Discover Bank 1 4.49% $0
EMBRACE HOME LOANS, INC. 1 3.38% $2,422
First Guaranty Mortgage Corporation 1 3.38% $3,671
First National Bank of Omaha 1 5.38% $2,369
INTERCAP LENDING INC. 1 6.88% $3,518
ITHINK FINANCIAL Credit Union 1 5.75% $2,100
KeyBank 1 3.63% $2,215
LAKEVIEW LOAN SERVICING, LLC 1 3.88% $2,586
NAVY FEDERAL CREDIT UNION 1 4.13% $4,187
NBKC BANK 1 5.00% $4,090
NuVision Federal Credit Union 1 6.25% $7,773
Peak Financial 1 5.38% $2,362
PENNYMAC LOAN SERVICES, LLC 1 3.37% $4,814
PHH Mortgage Corporation 1 7.13% $6,870
PLANET HOME LENDING, LLC 1 6.63% $3,454
PNC Bank 1 5.25% $3,186
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.50% $2,551
SIRVA MORTGAGE, INC. 1 6.00% $0
The Federal Savings Bank 1 4.38% $8,013
UNIVERSAL LENDING CORPORATION 1 5.38% $2,362
USAA Federal Savings Bank 1 5.75% $2,721
WESTERN VISTA 1 6.13% $4,411
21ST MORTGAGE CORPORATION 1 7.29% $6,214

Rock Springs Average Closing Costs & Other Stats

Rock Springs, WY's 61 lenders originated 802 loans during 2022. The total origination value was $183,960,000, with an average loan value of $229,377.

Rock Springs's average closing costs are $5,107.

The top Rock Springs lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 34 loans originated. Their average total fees are $4,047, which is $1,907 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Rock Springs lenders (with over 10 loans originated) are West Gate Bank ($2,604), Wells Fargo Bank ($3,440), UNITED WHOLESALE MORTGAGE, LLC ($4,047), LOANDEPOT.COM, LLC ($5,173) and U.S. Bank ($5,210).

The lowest rate Rock Springs lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (4.20%), HOME POINT FINANCIAL CORPORATION (4.37%), U.S. Bank (4.41%), West Gate Bank (4.57%) and QUICKEN LOANS, LLC (4.78%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
UNITED WHOLESALE MORTGAGE, LLC $50,660,000 $26,000,000 -48.7% 14.1%
QUICKEN LOANS, LLC $43,610,000 $16,650,000 -61.8% 9.1%
HOME POINT FINANCIAL CORPORATION $29,985,000 $15,700,000 -47.6% 8.5%
Wells Fargo Bank $25,235,000 $10,755,000 -57.4% 5.8%
MORTGAGE SOLUTIONS OF COLORADO, LLC $5,810,000 $9,875,000 70.0% 5.4%
U.S. Bank $12,810,000 $7,190,000 -43.9% 3.9%
Glacier Bank $9,315,000 $6,630,000 -28.8% 3.6%
Flanagan State Bank $13,735,000 $6,470,000 -52.9% 3.5%
CALIBER HOME LOANS, INC. $19,750,000 $5,785,000 -70.7% 3.1%
First Interstate Bank $5,325,000 n/a 2.9%
West Gate Bank $16,935,000 $4,825,000 -71.5% 2.6%
LOANDEPOT.COM, LLC $6,335,000 $4,500,000 -29.0% 2.4%
GUILD MORTGAGE COMPANY $15,930,000 $4,405,000 -72.3% 2.4%
Mortgage Research Center, LLC $4,745,000 $3,640,000 -23.3% 2.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $3,425,000 n/a 1.9%
CRESCENT MORTGAGE COMPANY $3,430,000 $2,925,000 -14.7% 1.6%
Flagstar Bank, FSB $2,905,000 $2,730,000 -6.0% 1.5%
Utah Power $6,720,000 $2,555,000 -62.0% 1.4%
Meridian Trust Federal Credit Union $1,155,000 $2,465,000 113.4% 1.3%
MOUNTAIN AMERICA $2,305,000 $2,445,000 6.1% 1.3%
FREEDOM MORTGAGE CORPORATION $16,195,000 $2,175,000 -86.6% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $1,085,000 $1,815,000 67.3% 1.0%
CHERRY CREEK MORTGAGE, LLC $1,970,000 $1,740,000 -11.7% 0.9%
21ST MORTGAGE CORPORATION $160,000 $1,455,000 809.4% 0.8%
Plains Commerce Bank $970,000 $1,365,000 40.7% 0.7%
AMERISAVE MORTGAGE CORPORATION $4,510,000 $1,355,000 -70.0% 0.7%
PENNYMAC LOAN SERVICES, LLC $4,875,000 $1,065,000 -78.2% 0.6%
JPMorgan Chase Bank $1,915,000 $1,025,000 -46.5% 0.6%
EVERETT FINANCIAL, INC. $970,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $3,490,000 $910,000 -73.9% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $155,000 $875,000 464.5% 0.5%
Bank of the West $2,000,000 $860,000 -57.0% 0.5%
NEWREZ LLC $1,515,000 $855,000 -43.6% 0.5%
BROKER SOLUTIONS, INC. $855,000 $845,000 -1.2% 0.5%
WYHY $120,000 $825,000 587.5% 0.4%
Jonah Bank of Wyoming $510,000 $815,000 59.8% 0.4%
NAVY FEDERAL CREDIT UNION $775,000 n/a 0.4%
CENTENNIAL LENDING, LLC $755,000 n/a 0.4%
BAY EQUITY LLC $510,000 $725,000 42.2% 0.4%
North American Savings Bank, F.S.B. $205,000 $670,000 226.8% 0.4%
USAA Federal Savings Bank $1,540,000 $625,000 -59.4% 0.3%
Gateway First Bank $360,000 $580,000 61.1% 0.3%
KeyBank $540,000 n/a 0.3%
Deseret First Credit Union $530,000 n/a 0.3%
First Western Trust Bank $505,000 n/a 0.3%
INTERCAP LENDING INC. $645,000 $500,000 -22.5% 0.3%
AMERICAN ADVISORS GROUP $65,000 $480,000 638.5% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $280,000 $465,000 66.1% 0.3%
NBKC BANK $410,000 $455,000 11.0% 0.2%
Barrington Bank & Trust Company, N.A. $1,050,000 $430,000 -59.0% 0.2%
AMERICAN FINANCING CORPORATION $875,000 $385,000 -56.0% 0.2%
SIRVA MORTGAGE, INC. $375,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $1,230,000 $365,000 -70.3% 0.2%
Servion, Inc. $325,000 n/a 0.2%
CHURCHILL MORTGAGE CORPORATION $490,000 $315,000 -35.7% 0.2%
LADERA LENDING, INC. $315,000 n/a 0.2%
First National Bank of Omaha $285,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $285,000 n/a 0.2%
PNC Bank $630,000 $285,000 -54.8% 0.2%
VILLAGE CAPITAL MORTGAGE $1,505,000 $285,000 -81.1% 0.2%
ACADEMY MORTGAGE CORPORATION $155,000 $280,000 80.6% 0.2%
NuVision Federal Credit Union $265,000 n/a 0.1%
Carrington Mortgage Services, LLC $1,565,000 $260,000 -83.4% 0.1%
EMBRACE HOME LOANS, INC. $255,000 n/a 0.1%
GUARANTEED RATE, INC. $815,000 $255,000 -68.7% 0.1%
Ally Bank $245,000 n/a 0.1%
The Union Bank Company $245,000 n/a 0.1%
FirstBank $1,075,000 $235,000 -78.1% 0.1%
FIRST COLONY MORTGAGE CORPORATION $135,000 $235,000 74.1% 0.1%
Paramount Bank $580,000 $235,000 -59.5% 0.1%
The Federal Savings Bank $830,000 $235,000 -71.7% 0.1%
WESTERN VISTA $235,000 n/a 0.1%
Hilltop National Bank $175,000 $215,000 22.9% 0.1%
Nations Lending Corporation $215,000 n/a 0.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,025,000 $210,000 -79.5% 0.1%
Figure Lending LLC $110,000 $205,000 86.4% 0.1%
First Guaranty Mortgage Corporation $615,000 $205,000 -66.7% 0.1%
PHH Mortgage Corporation $205,000 n/a 0.1%
Wallick & Volk, Inc. $900,000 $205,000 -77.2% 0.1%
Peak Financial $195,000 n/a 0.1%
UNIVERSAL LENDING CORPORATION $195,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 n/a 0.1%
PLANET HOME LENDING, LLC $325,000 $185,000 -43.1% 0.1%
ITHINK FINANCIAL Credit Union $175,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $170,000 n/a 0.1%
ZILLOW HOME LOANS, LLC $175,000 $165,000 -5.7% 0.1%
LAKEVIEW LOAN SERVICING, LLC $2,430,000 $155,000 -93.6% 0.1%
Discover Bank $85,000 $125,000 47.1% 0.1%
NBH Bank $450,000 $125,000 -72.2% 0.1%
REVERSE MORTGAGE FUNDING LLC $115,000 n/a 0.1%
BANKWEST, INC. $35,000 $75,000 114.3% 0.0%
Deere Employees Credit Union $55,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $890,000 $55,000 -93.8% 0.0%

Rock Springs's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.1% market share. In second place, with 9.1%, is QUICKEN LOANS, LLC, having originated $16,650,000 in loans. In third place, with 8.5%, is HOME POINT FINANCIAL CORPORATION, having originated $15,700,000 in loans. In fourth place, with 5.8%, is Wells Fargo Bank, having originated $10,755,000 in loans. In fifth place, with 5.4%, is MORTGAGE SOLUTIONS OF COLORADO, LLC, having originated $9,875,000 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
Rock Springs's median listing price for 2023-11-01 was $296,000, a difference of $53,050 (21.8%) versus the prior year and $-15,875 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 2023-11-01 was $321,567, a difference of $-28,342 (-8.1%) versus the prior year and $-6,611 versus the prior month.

For the 2023-11-01 period, Rock Springs had 91 MLS listings, a difference of 1 listings (1%) versus the prior month and 21 listings (30%) 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
Rock Springs's median listing age (time on market) for 2023-11-01 was 0 days.

Rock Springs's median square footage for active listings during the 2023-11-01 period was 2,065 sqft. One year prior, the average listing was 1,981 sqft.

Rock Springs, WY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 523 $131,915,000 $252,228
Cash Out Refi 115 $26,455,000 $230,043
Refi 105 $20,085,000 $191,286
Other 43 $4,245,000 $98,721
Home Improvement 16 $1,260,000 $78,750

Rock Springs's most frequently cited loan purpose was Home Purchase, with 523 originations. The 2nd most popular reason was Cash Out Refi, with 115 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 221 $50,165,000 $226,991
3-4% 185 $45,075,000 $243,649
5-6% 169 $45,435,000 $268,846
6-7% 79 $16,495,000 $208,797
2.5-3% 65 $14,795,000 $227,615
<2.5% 43 $4,915,000 $114,302
7-8% 25 $4,365,000 $174,600
Over 8% 11 $705,000 $64,091

During 2022, Rock Springs's most frequently originated rate bucket was 4-5%, with 221 originations.

Loan Sizing (Rock Springs, WY MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 394 $106,920,000 $271,371
$100k-200k 241 $37,505,000 $155,622
$100,000 or less 106 $5,810,000 $54,811
$400k-600k 56 $26,250,000 $468,750
$600k-1000k 4 $2,640,000 $660,000
$Over $1MM 1 $4,835,000 $4,835,000

Rock Springs's loan sizing saw the bucket of loans from $200k-400k with 394 originations, totaling $106,920,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 431 $111,655,000 $259,060
60-80% 182 $44,960,000 $247,033
40-60% 69 $11,825,000 $171,377
Under 20% 53 $2,045,000 $38,585
20-40% 37 $3,915,000 $105,811
Over 100% 18 $5,280,000 $293,333

Rock Springs's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 431 originations, totaling $111,655,000 in origination value.