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.