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 -0.14% for the week of 2024-11-15, 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 (2024-11-08) was 6.16% and one month ago for the week of 2024-10-11, the average rate was 5.93%.

    The average rate one year ago was 7.02%.

    For refis of the same type during the week of 2024-11-15, 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.