Wyoming VA Loan Rates, Closing Costs & Stats

Wyoming

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Wyoming VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Wyoming averaged 6.37% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Wyoming's average VA mortgage closing costs are $6,720.

    The average rate for the prior week (2025-03-28) was 6.59% and one month ago for the week of 2025-02-28, the average rate was 6.36%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.88%.

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

    Wyoming VA Loan Lenders by Rates & Fees

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

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 204 6.35% $6,574
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 122 6.16% $9,778
    UNITED WHOLESALE MORTGAGE, LLC 107 5.93% $7,792
    QUICKEN LOANS, LLC 94 6.06% $11,671
    FREEDOM MORTGAGE CORPORATION 69 6.10% $8,434
    GUILD MORTGAGE COMPANY 57 6.14% $11,112
    Jonah Bank of Wyoming 53 5.82% $6,934
    CROSSCOUNTRY MORTGAGE, LLC 51 6.15% $11,664
    USAA Federal Savings Bank 50 6.17% $8,230
    PENNYMAC LOAN SERVICES, LLC 32 5.82% $7,081
    Wallick & Volk, Inc. 29 6.52% $11,454
    NEWREZ LLC 27 6.05% $6,177
    BAY EQUITY LLC 24 6.19% $5,726
    NAVY FEDERAL CREDIT UNION 24 5.93% $6,086
    Century Mortgage Company DBA Century Lending Company 22 5.92% $10,611
    CMG MORTGAGE, INC. 21 6.15% $8,151
    VILLAGE CAPITAL MORTGAGE 20 5.80% $6,540
    NEW DAY FINANCIAL, LLC 19 7.49% $14,185
    LOANDEPOT.COM, LLC 19 5.91% $11,575
    WESTERN VISTA 17 5.92% $6,546
    Pinnacle Bank - Wyoming 14 5.72% $7,740
    The Federal Savings Bank 14 6.22% $18,865
    PLANET HOME LENDING, LLC 13 5.87% $4,159
    Glacier Bank 12 6.17% $11,984
    AMERICAN PACIFIC MORTGAGE CORPORATION 11 5.88% $16,065
    U.S. Bank 9 6.18% $8,814
    LAKEVIEW LOAN SERVICING, LLC 8 6.09% $7,164
    Servion, Inc. 8 6.22% $11,950
    MUTUAL OF OMAHA MORTGAGE, INC. 7 6.36% $19,484
    Barrington Bank & Trust Company, N.A. 7 6.16% $5,935
    PHH Mortgage Corporation 7 5.55% $6,115
    Plains Commerce Bank 6 6.77% $7,050
    Mr. Cooper ( Nationstar Mortgage ) 6 6.00% $12,470
    First Western Trust Bank 6 5.96% $9,147
    Carrington Mortgage Services, LLC 5 5.80% $13,733
    PENTAGON FEDERAL CREDIT UNION 5 5.73% $4,574
    PRIMARY RESIDENTIAL MORTGAGE, INC. 5 6.13% $10,272
    CENTENNIAL LENDING, LLC 5 6.18% $5,544
    GUARANTEED RATE, INC. 5 5.78% $9,031
    AXIA FINANCIAL, LLC 5 6.33% $6,538
    Magnolia Bank 4 5.88% $26,853
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.88% $2,276
    First Federal Bank 4 5.72% $11,627
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.63% $8,596
    BROKER SOLUTIONS, INC. 4 6.97% $9,883
    SECURITYNATIONAL MORTGAGE COMPANY 4 6.50% $5,917
    Armed Forces Bank 3 5.92% $13,350
    Texana Bank 3 6.29% $17,602
    AMERISAVE MORTGAGE CORPORATION 3 6.21% $23,786
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.66% $2,294
    HOMESIDE FINANCIAL, LLC 3 6.29% $20,331
    MOVEMENT MORTGAGE, LLC 3 5.88% $7,446
    AMERICAN FINANCING CORPORATION 3 5.54% $16,679
    RELIANCE FIRST CAPITAL, LLC 3 6.54% $10,491
    NBKC BANK 3 6.08% $7,680
    PLAZA HOME MORTGAGE, INC. 3 6.46% $6,262
    VERITAS FUNDING, LLC 3 6.08% $17,930
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.06% $8,814
    Paramount Residential Mortgage Group, Inc. 2 6.06% $9,642
    Wells Fargo Bank 2 6.19% $5,426
    OPEN MORTGAGE, LLC 2 6.13% $1,837
    JPMorgan Chase Bank 2 6.31% $6,628
    ON Q FINANCIAL, INC. 2 6.63% $4,980
    SUN WEST MORTGAGE COMPANY, INC. 2 5.56% $24,313
    First National Bank of Omaha 2 6.88% $10,710
    Equity Prime Mortgage LLC 2 6.00% $5,152
    AMERICAN FINANCIAL NETWORK, INC. 2 6.19% $4,249
    Zions Bank 1 6.50% $9,993
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.25% $4,452
    AmeriHome Mortgage Company, LLC 1 6.13% $2,426
    Bell Bank 1 6.25% $9,367
    BLACK HILLS FEDERAL CREDIT UNION 1 5.75% $2,393
    BOKF 1 6.63% $27,562
    CHURCHILL MORTGAGE CORPORATION 1 5.63% $19,122
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.25% $7,135
    CORNERSTONE HOME LENDING, INC. 1 6.63% $11,060
    Encompass Lending Group, LP 1 7.13% $8,801
    EVERETT FINANCIAL, INC. 1 7.88% $19,425
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $10,556
    First Interstate Bank 1 6.00% $2,257
    First State Bank of St. Charles, Missouri 1 6.38% $6,182
    Flagstar Bank, FSB 1 5.00% $6,643
    F & M Bank 1 6.63% $6,146
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 5.63% $1,152
    GoPrime Mortgage, Inc. 1 7.25% $13,309
    GROUP MORTGAGE, LLC 1 6.25% $4,382
    GUARANTEED RATE AFFINITY, LLC 1 6.75% $2,784
    Ixonia Bank 1 6.13% $16,201
    LAND HOME FINANCIAL SERVICES, INC. 1 6.25% $11,285
    MORTGAGEONE, INC. 1 7.25% $6,606
    MOUNTAIN AMERICA 1 5.88% $17,251
    Nations Lending Corporation 1 6.25% $8,312
    North American Savings Bank, F.S.B. 1 5.99% $4,213
    Northpointe Bank 1 5.75% $14,365
    Patriot Bank 1 5.63% $7,877
    PREMIA MORTGAGE, LLC 1 6.05% $23,001
    SeaTrust Mortgage Company 1 6.88% $9,358
    SOUTHWEST STAGE FUNDING, LLC 1 6.38% $6,252
    T2 FINANCIAL LLC 1 6.75% $5,982
    TJC Mortgage, Inc. 1 5.75% $16,444
    TOWN AND COUNTRY Credit Union 1 5.63% $12,097
    TOWNE MORTGAGE COMPANY 1 6.63% $9,424
    UNION HOME MORTGAGE CORP. 1 6.63% $5,479
    West Gate Bank 1 6.00% $5,205
    ZILLOW HOME LOANS, LLC 1 5.88% $10,633

    The top Wyoming VA lender as defined by loan originations is Mortgage Research Center, LLC, with 204 VA loans originated. Their average total fees are $6,574, which is $3,204 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Wyoming VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($4,159), BAY EQUITY LLC ($5,726), NAVY FEDERAL CREDIT UNION ($6,086), NEWREZ LLC ($6,177) and VILLAGE CAPITAL MORTGAGE ($6,540).

    The lowest rate Wyoming VA lenders (with over 10 loans originated) are Pinnacle Bank - Wyoming (5.72%), VILLAGE CAPITAL MORTGAGE (5.80%), Jonah Bank of Wyoming (5.82%), PENNYMAC LOAN SERVICES, LLC (5.82%) and PLANET HOME LENDING, LLC (5.87%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.