Wyoming USDA Loan Rates, Closing Costs & Stats

Wyoming

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 0.03% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

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

The average rate for the prior week (2024-11-22) was 6.53% and one month ago for the week of 2024-10-25, the average rate was 6.33%.

The average rate one year ago was 7.13%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.19%.

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 .