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 6.81% 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.