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 6.36% 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.