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 0.16% for the week of 2024-11-29, compared to the national average (all VA variants) of 0% for the same period.

Wyoming's average VA mortgage closing costs are $6,465.

The average rate for the prior week (2024-11-22) was 6.62% and one month ago for the week of 2024-10-25, the average rate was 6.32%.

The average rate one year ago was 7.06%.

For refis of the same type during the week of 2024-11-29, the average rate was 0.32%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 177 6.72% $6,048
QUICKEN LOANS, LLC 72 6.05% $12,647
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 67 6.42% $8,164
UNITED WHOLESALE MORTGAGE, LLC 56 6.37% $6,615
Wallick & Volk, Inc. 44 6.26% $10,461
Jonah Bank of Wyoming 31 6.12% $7,365
CROSSCOUNTRY MORTGAGE, LLC 31 6.25% $10,172
GUILD MORTGAGE COMPANY 29 6.47% $9,144
USAA Federal Savings Bank 29 6.18% $7,137
NAVY FEDERAL CREDIT UNION 28 5.58% $6,233
First Interstate Bank 19 6.00% $9,391
NEW DAY FINANCIAL, LLC 17 7.63% $15,700
The Federal Savings Bank 16 6.40% $16,537
U.S. Bank 16 6.28% $7,162
BAY EQUITY LLC 16 6.53% $4,886
Pinnacle Bank - Wyoming 16 6.20% $9,466
CMG MORTGAGE, INC. 15 6.59% $9,456
PENNYMAC LOAN SERVICES, LLC 14 5.86% $9,939
AMERICAN PACIFIC MORTGAGE CORPORATION 13 6.08% $11,062
PRIMARY RESIDENTIAL MORTGAGE, INC. 12 6.40% $8,341
LOANDEPOT.COM, LLC 12 6.24% $15,645
CORNERSTONE HOME LENDING, INC. 11 6.14% $11,061
Barrington Bank & Trust Company, N.A. 11 6.39% $11,805
FREEDOM MORTGAGE CORPORATION 11 6.48% $14,694
Mr. Cooper ( Nationstar Mortgage ) 11 6.11% $18,426
Plains Commerce Bank 9 6.63% $12,995
PENTAGON FEDERAL CREDIT UNION 9 5.69% $8,556
Gateway First Bank 7 6.21% $6,232
CENTENNIAL LENDING, LLC 7 6.04% $7,382
NEWREZ LLC 7 6.73% $7,549
CHERRY CREEK MORTGAGE, LLC 7 5.80% $8,604
AXIA FINANCIAL, LLC 7 6.30% $8,386
Unify Home Lending Inc. 6 6.48% $7,170
Colonial Savings, F.A. 6 5.88% $14,104
GUARANTEED RATE, INC. 6 6.45% $6,960
TOWNE MORTGAGE COMPANY 5 6.32% $8,317
BROKER SOLUTIONS, INC. 5 6.28% $10,546
VILLAGE CAPITAL MORTGAGE 5 6.40% $8,920
CRESCENT MORTGAGE COMPANY 4 6.63% $10,533
AMERICAN FINANCING CORPORATION 4 6.47% $15,305
Century Mortgage Company DBA Century Lending Company 4 5.72% $5,899
Flanagan State Bank 4 6.28% $10,529
Magnolia Bank 4 6.38% $14,504
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.75% $27,793
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.50% $5,863
Wells Fargo Bank 4 6.00% $1,903
AMERICAN FINANCIAL NETWORK, INC. 3 6.04% $3,918
ACADEMY MORTGAGE CORPORATION 3 6.50% $10,112
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.29% $6,479
Equity Prime Mortgage LLC 3 7.08% $3,723
MOVEMENT MORTGAGE, LLC 3 6.75% $10,914
VERITAS FUNDING, LLC 2 6.25% $23,639
GUARANTEED RATE AFFINITY, LLC 2 5.88% $13,412
Nations Lending Corporation 2 6.75% $11,225
NBKC BANK 2 5.94% $12,953
North American Savings Bank, F.S.B. 2 5.44% $11,245
Peak Financial 2 5.75% $5,998
First National Bank of Omaha 2 6.13% $19,204
FIRST COLONY MORTGAGE CORPORATION 2 6.25% $14,720
PLANET HOME LENDING, LLC 2 5.00% $4,670
RELIANCE FIRST CAPITAL, LLC 2 6.38% $15,234
CHURCHILL MORTGAGE CORPORATION 2 6.88% $5,147
UNIVERSAL LENDING CORPORATION 2 5.75% $5,998
First Federal Bank 1 6.00% $2,201
AMERISAVE MORTGAGE CORPORATION 1 5.63% $36,665
FirstBank 1 7.63% $14,023
JPMorgan Chase Bank 1 5.25% $500
F&M Bank 1 6.50% $5,534
Willamette Valley Bank 1 7.25% $631
Eagle Bank and Trust Company 1 5.88% $1,628
Glacier Bank 1 6.00% $43,167
SUMMIT FUNDING, INC. 1 5.99% $16,890
NBH Bank 1 7.25% $7,558
Mid-Continent Funding, Inc. 1 6.25% $16,753
Truist 1 6.10% $1,869
Centennial Bank 1 7.13% $3,694
Capital Bank 1 5.00% $11,992
Waterstone Mortgage Corporation 1 6.63% $7,273
Bank of Colorado 1 5.75% $10,002
First State Bank 1 6.00% $12,120
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $13,387
Northpointe Bank 1 6.25% $10,821
ON Q FINANCIAL, INC. 1 7.25% $11,221
OPEN MORTGAGE, LLC 1 6.75% $4,083
Paramount Residential Mortgage Group, Inc. 1 7.25% $8,823
VAN DYK MORTGAGE CORPORATION 1 6.88% $5,339
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $6,603

The top Wyoming VA lender as defined by loan originations is Mortgage Research Center, LLC, with 177 VA loans originated. Their average total fees are $6,048, which is $6,599 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Wyoming VA lenders (with over 10 loans originated) are BAY EQUITY LLC ($4,886), Mortgage Research Center, LLC ($6,048), NAVY FEDERAL CREDIT UNION ($6,233), UNITED WHOLESALE MORTGAGE, LLC ($6,615) and USAA Federal Savings Bank ($7,137).

The lowest rate Wyoming VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION (5.58%), PENNYMAC LOAN SERVICES, LLC (5.86%), First Interstate Bank (6.00%), QUICKEN LOANS, LLC (6.05%) and AMERICAN PACIFIC MORTGAGE CORPORATION (6.08%).

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.