Wyoming VA Loan Rates, Closing Costs & Stats
Wyoming
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
6.36%
for the week of 2023-01-27, compared to the national average (all VA variants) of
5.952% for the same period.
Wyoming's average VA mortgage closing costs are $5,744.
The average rate for the prior week (2023-01-20) was
5.89% and
one month ago for the week of 2022-12-23, the
average rate was 6.56%.
The average rate one year ago was 3.96%.
For refis of the same type during the week of 2023-01-27, the average rate
was 5.9%.
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 |
2021 Avg. 30yFix Rate |
2021 Avg. Closing Costs |
Mortgage Research Center, LLC
|
301
|
2.83%
|
$6,158
|
QUICKEN LOANS, LLC
|
268
|
2.46%
|
$5,175
|
FREEDOM MORTGAGE CORPORATION
|
202
|
2.43%
|
$2,482
|
Jonah Bank of Wyoming
|
156
|
2.35%
|
$6,548
|
PENNYMAC LOAN SERVICES, LLC
|
133
|
2.41%
|
$6,360
|
First Interstate Bank
|
123
|
2.57%
|
$8,288
|
CHERRY CREEK MORTGAGE, LLC
|
110
|
2.73%
|
$5,035
|
NEW DAY FINANCIAL, LLC
|
103
|
2.73%
|
$8,035
|
Wallick & Volk, Inc.
|
103
|
2.95%
|
$8,501
|
USAA Federal Savings Bank
|
93
|
2.85%
|
$4,438
|
GUILD MORTGAGE COMPANY
|
79
|
2.68%
|
$7,002
|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION
|
76
|
2.87%
|
$7,678
|
LAKEVIEW LOAN SERVICING, LLC
|
72
|
2.51%
|
$3,016
|
Wyoming Bank & Trust
|
67
|
2.33%
|
$5,966
|
Wells Fargo Bank
|
65
|
2.47%
|
$3,817
|
LOANDEPOT.COM, LLC
|
64
|
2.52%
|
$4,025
|
The Federal Savings Bank
|
64
|
2.65%
|
$7,660
|
UNITED WHOLESALE MORTGAGE, LLC
|
55
|
2.45%
|
$4,757
|
NAVY FEDERAL CREDIT UNION
|
52
|
2.46%
|
$4,935
|
BAY EQUITY LLC
|
44
|
2.82%
|
$5,167
|
Low VA Rates, LLC
|
43
|
2.42%
|
$4,881
|
CALIBER HOME LOANS, INC.
|
42
|
2.43%
|
$3,957
|
HOME POINT FINANCIAL CORPORATION
|
38
|
2.39%
|
$5,310
|
Pinnacle Bank - Wyoming
|
38
|
2.38%
|
$7,267
|
CMG MORTGAGE, INC.
|
37
|
2.81%
|
$10,463
|
VILLAGE CAPITAL MORTGAGE
|
36
|
2.40%
|
$3,563
|
Mr. Cooper ( Nationstar Mortgage )
|
32
|
2.79%
|
$4,110
|
AMERICAN FINANCIAL NETWORK, INC.
|
29
|
2.43%
|
$8,378
|
OPEN MORTGAGE, LLC
|
28
|
2.72%
|
$5,211
|
Barrington Bank & Trust Company, N.A.
|
26
|
2.81%
|
$4,935
|
CENTENNIAL LENDING, LLC
|
21
|
2.51%
|
$7,420
|
U.S. Bank
|
20
|
2.67%
|
$6,507
|
NEWREZ LLC
|
18
|
2.72%
|
$4,379
|
CORNERSTONE HOME LENDING, INC.
|
18
|
2.86%
|
$9,042
|
AMERISAVE MORTGAGE CORPORATION
|
17
|
2.67%
|
$6,177
|
Glacier Bank
|
16
|
2.84%
|
$5,524
|
Magnolia Bank
|
15
|
2.62%
|
$9,890
|
AMERICAN FINANCING CORPORATION
|
14
|
2.55%
|
$3,275
|
Gateway First Bank
|
14
|
2.96%
|
$5,825
|
First Guaranty Mortgage Corporation
|
13
|
2.50%
|
$3,616
|
BROKER SOLUTIONS, INC.
|
11
|
2.79%
|
$4,453
|
NBKC BANK
|
10
|
2.51%
|
$3,819
|
Flagstar Bank, FSB
|
9
|
2.55%
|
$7,562
|
PARTNERS UNITED FINANCIAL, LLC
|
9
|
3.14%
|
$9,877
|
First Federal Bank
|
9
|
3.15%
|
$11,064
|
BNC National Bank
|
9
|
2.24%
|
$5,037
|
WESTERN VISTA
|
9
|
2.46%
|
$5,111
|
CRESCENT MORTGAGE COMPANY
|
8
|
2.67%
|
$1,791
|
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
|
8
|
2.58%
|
$7,559
|
CROSSCOUNTRY MORTGAGE, LLC
|
8
|
2.89%
|
$8,946
|
PLANET HOME LENDING, LLC
|
8
|
2.84%
|
$1,581
|
PRIMARY RESIDENTIAL MORTGAGE, INC.
|
8
|
3.13%
|
$6,482
|
PENTAGON FEDERAL CREDIT UNION
|
7
|
2.30%
|
$1,070
|
MUTUAL OF OMAHA MORTGAGE, INC.
|
7
|
2.43%
|
$7,749
|
Carrington Mortgage Services, LLC
|
7
|
3.13%
|
$8,046
|
HOMEBRIDGE FINANCIAL SERVICES, INC.
|
6
|
2.29%
|
$4,215
|
Colonial Savings, F.A.
|
6
|
3.00%
|
$7,624
|
MORTGAGE SOLUTIONS OF COLORADO, LLC
|
6
|
3.15%
|
$8,228
|
Nations Lending Corporation
|
6
|
2.88%
|
$6,240
|
Meridian Bank Corporation
|
5
|
2.30%
|
$7,263
|
SUN WEST MORTGAGE COMPANY, INC.
|
5
|
2.25%
|
$2,180
|
AMCAP MORTGAGE, LTD.
|
5
|
2.68%
|
$6,766
|
GUARANTEED RATE, INC.
|
5
|
2.50%
|
$3,347
|
FBC MORTGAGE, LLC
|
5
|
2.35%
|
$6,978
|
RELIANCE FIRST CAPITAL, LLC
|
4
|
2.81%
|
$5,581
|
AXIA FINANCIAL, LLC
|
4
|
2.97%
|
$3,538
|
North American Savings Bank, F.S.B.
|
4
|
2.38%
|
$5,555
|
MORIA DEVELOPMENT, INC.
|
4
|
2.72%
|
$6,613
|
MOVEMENT MORTGAGE, LLC
|
4
|
2.84%
|
$4,500
|
Mid-Continent Funding, Inc.
|
3
|
2.63%
|
$4,872
|
ACADEMY MORTGAGE CORPORATION
|
3
|
3.13%
|
$8,891
|
Flanagan State Bank
|
3
|
2.79%
|
$5,961
|
CHURCHILL MORTGAGE CORPORATION
|
3
|
2.79%
|
$5,053
|
NBH Bank
|
3
|
2.58%
|
$4,128
|
Financial Funding Solutions, Inc.
|
3
|
2.63%
|
$2,406
|
HOMESTAR FINANCIAL CORPORATION
|
3
|
2.79%
|
$8,310
|
First Western Trust Bank
|
3
|
2.79%
|
$11,161
|
Paramount Bank
|
3
|
2.54%
|
$5,693
|
SOUTHWEST STAGE FUNDING, LLC
|
3
|
3.38%
|
$3,213
|
PLAZA HOME MORTGAGE, INC.
|
2
|
2.88%
|
$11,196
|
FIRST COLONY MORTGAGE CORPORATION
|
2
|
2.88%
|
$10,102
|
INTERCAP LENDING INC.
|
2
|
2.75%
|
$2,259
|
KS StateBank
|
2
|
2.25%
|
$1,136
|
MANN FINANCIAL INC.
|
2
|
3.25%
|
$3,820
|
Community First National Bank
|
2
|
2.75%
|
$2,576
|
MOUNTAIN AMERICA
|
2
|
2.25%
|
$4,702
|
NP, Inc.
|
2
|
2.25%
|
$4,222
|
Opportunity Bank of Montana
|
2
|
2.81%
|
$8,322
|
Capital Bank
|
2
|
2.31%
|
$3,149
|
BLACK HILLS FEDERAL CREDIT UNION
|
2
|
2.38%
|
$3,598
|
Plains Commerce Bank
|
2
|
2.56%
|
$11,670
|
PREMIER MORTGAGE RESOURCES, L.L.C.
|
2
|
2.94%
|
$11,349
|
Stifel Bank and Trust
|
2
|
2.56%
|
$1,910
|
Texana Bank
|
2
|
2.50%
|
$3,065
|
Unify Home Lending Inc.
|
2
|
3.06%
|
$7,674
|
UNIVERSAL LENDING CORPORATION
|
2
|
3.00%
|
$5,803
|
Bank of England
|
2
|
2.69%
|
$9,525
|
Armed Forces Bank
|
2
|
2.38%
|
$11,952
|
AMERICAN PACIFIC MORTGAGE CORPORATION
|
2
|
3.19%
|
$12,124
|
AMERICAN FINANCIAL RESOURCES, INC.
|
2
|
3.81%
|
$3,777
|
West Gate Bank
|
2
|
2.25%
|
$1,517
|
First Savings Bank
|
1
|
3.25%
|
$5,722
|
CANOPY MORTGAGE, LLC
|
1
|
2.75%
|
$8,519
|
FirstBank
|
1
|
2.88%
|
$10,250
|
PHH Mortgage Corporation
|
1
|
2.63%
|
$2,615
|
First Federal Bank of Kansas City
|
1
|
2.25%
|
$3,158
|
VAN DYK MORTGAGE CORPORATION
|
1
|
2.50%
|
$14,132
|
GUARANTEED RATE AFFINITY, LLC
|
1
|
3.00%
|
$600
|
First Internet Bank of Indiana
|
1
|
2.63%
|
$1,793
|
Arvest Bank
|
1
|
3.00%
|
$1,807
|
Presidential Bank, FSB
|
1
|
2.25%
|
$10,242
|
ZILLOW HOME LOANS, LLC
|
1
|
2.88%
|
$3,044
|
Prime Choice Funding Inc.
|
1
|
2.25%
|
$4,082
|
Bank of Utah
|
1
|
2.75%
|
$1,303
|
GROUP MORTGAGE, LLC
|
1
|
2.50%
|
$4,054
|
RESIDENTIAL BANCORP.
|
1
|
2.75%
|
$5,722
|
Great Plains National Bank
|
1
|
2.88%
|
$10,864
|
First Home Bank
|
1
|
2.50%
|
$4,740
|
Strong Home Mortgage, LLC
|
1
|
2.50%
|
$1,023
|
Sunflower Bank
|
1
|
2.75%
|
$3,587
|
Goldwater Bank, N.A.
|
1
|
3.13%
|
$2,771
|
Washington Trust Bank
|
1
|
2.75%
|
$19,191
|
The Central Trust Bank
|
1
|
2.25%
|
$3,079
|
Bank of the West
|
1
|
3.13%
|
$11,035
|
Truist
|
1
|
2.75%
|
$17,974
|
Watermark Capital, Inc.
|
1
|
2.25%
|
$3,323
|
UNION HOME MORTGAGE CORP.
|
1
|
2.25%
|
$9,460
|
Midwest BankCentre
|
1
|
2.38%
|
$2,591
|
MID AMERICA MORTGAGE, INC.
|
1
|
2.25%
|
$1,137
|
M&T Bank
|
1
|
3.25%
|
$4,364
|
MEGASTAR FINANCIAL CORP.
|
1
|
2.25%
|
$2,424
|
DAS Acquisition Company, LLC
|
1
|
3.00%
|
$2,553
|
CITYWIDE HOME LOANS, LLC
|
1
|
3.13%
|
$2,781
|
Loan Simple, Inc.
|
1
|
3.63%
|
$9,124
|
CITY FIRST MORTGAGE SERVICES, L.L.C.
|
1
|
3.13%
|
$3,810
|
Equity Prime Mortgage LLC
|
1
|
2.50%
|
$1,208
|
Century Mortgage Company DBA Century Lending Company
|
1
|
2.88%
|
$2,474
|
EVANSVILLE TEACHERS
|
1
|
2.88%
|
$10,248
|
Bank of Idaho
|
1
|
2.50%
|
$4,344
|
JAMES B. NUTTER & COMPANY
|
1
|
2.75%
|
$3,566
|
Willamette Valley Bank
|
1
|
2.75%
|
$17,269
|
Ixonia Bank
|
1
|
2.75%
|
$3,978
|
The top Wyoming VA lender as defined by loan originations is Mortgage Research Center, LLC, with
301 VA loans originated. Their average total fees are
$6,158, which is $983
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Wyoming VA lenders (with over 10 loans originated) are
FREEDOM MORTGAGE CORPORATION ($2,482), LAKEVIEW LOAN SERVICING, LLC ($3,016), AMERICAN FINANCING CORPORATION ($3,275), VILLAGE CAPITAL MORTGAGE ($3,563) and First Guaranty Mortgage Corporation ($3,616).
The lowest rate Wyoming VA lenders (with over 10 loans originated) are
Wyoming Bank & Trust (2.33%), Jonah Bank of Wyoming (2.35%), Pinnacle Bank - Wyoming (2.38%), HOME POINT FINANCIAL CORPORATION (2.39%) and VILLAGE CAPITAL MORTGAGE (2.40%).
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.