Wyoming USDA Loan Rates, Closing Costs & Stats

Wyoming

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Wyoming USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Wyoming averaged 5.93% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Wyoming's average USDA mortgage closing costs are $5,799.

    The average rate for the prior week (2024-12-06) was 6.17% and one month ago for the week of 2024-11-08, the average rate was 6.48%.

    The average rate one year ago was 6.75%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.6%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Wyoming USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Wyoming level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 31 5.91% $6,882
    Pinnacle Bank - Wyoming 28 5.80% $6,628
    BAY EQUITY LLC 12 6.35% $8,232
    AXIA FINANCIAL, LLC 10 6.18% $7,032
    Glacier Bank 7 6.05% $6,142
    AMERICAN PACIFIC MORTGAGE CORPORATION 7 5.95% $8,097
    GUILD MORTGAGE COMPANY 6 5.77% $8,439
    Flanagan State Bank 5 6.28% $7,907
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.81% $8,420
    Unify Home Lending Inc. 4 6.56% $4,781
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.12% $11,416
    U.S. Bank 3 7.08% $5,908
    GUARANTEED RATE, INC. 3 5.67% $6,876
    NEWREZ LLC 3 6.21% $7,062
    Mortgage Research Center, LLC 2 6.88% $2,967
    PLAZA HOME MORTGAGE, INC. 2 5.88% $5,789
    UNION HOME MORTGAGE CORP. 2 6.69% $11,646
    VAN DYK MORTGAGE CORPORATION 2 6.13% $4,202
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.75% $3,928
    CRESCENT MORTGAGE COMPANY 1 6.63% $5,521
    ON Q FINANCIAL, INC. 1 4.50% $14,312
    Commerce Home Mortgage, Inc. 1 6.88% $10,847
    Plains Commerce Bank 1 5.75% $6,613
    Wallick & Volk, Inc. 1 6.13% $9,769
    CMG MORTGAGE, INC. 1 5.75% $6,914
    SUN WEST MORTGAGE COMPANY, INC. 1 5.63% $4,553
    CHURCHILL MORTGAGE CORPORATION 1 7.63% $9,885
    Wells Fargo Bank 1 4.88% $770
    CHERRY CREEK MORTGAGE, LLC 1 5.75% $1,734
    CARDINAL FINANCIAL 1 6.50% $3,813
    WESTERN VISTA 1 5.50% $7,147
    Flagstar Bank, FSB 1 6.75% $5,415
    First Interstate Bank 1 5.38% $3,820
    Eagle Bank and Trust Company 1 6.50% $7,652

    The top Wyoming USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 31 USDA loans originated. Their average total fees are $6,882, which is $255 higher than the next largest lender, Pinnacle Bank - Wyoming.

    The lowest fee Wyoming USDA lenders (with over 10 loans originated) are Pinnacle Bank - Wyoming ($6,628), UNITED WHOLESALE MORTGAGE, LLC ($6,882), AXIA FINANCIAL, LLC ($7,032), BAY EQUITY LLC ($8,232) and .

    The lowest rate Wyoming USDA lenders (with over 10 loans originated) are Pinnacle Bank - Wyoming (5.80%), UNITED WHOLESALE MORTGAGE, LLC (5.91%), AXIA FINANCIAL, LLC (6.18%), BAY EQUITY LLC (6.35%) and .