Wyoming Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Wyoming averaged
6.83%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
6.72% and
one month ago for the week of 2023-08-17, the
average rate was 6.63%.
Wyoming's average rate one year ago was 5.56%.
For refis of the same type during the week of 2023-09-21, the average rate
was 6.49%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
| Wyoming 30 Year Fixed Rate | 2023-09-21 | 6.83% |
| Wyoming 30 Year Fixed Rate Refi | 2023-09-21 | 6.49% |
| Wyoming 15 Year Fixed Rate | 2023-09-21 | 6.47% |
| Wyoming 15 Year Fixed Rate Refi | 2023-09-21 | 5.15% |
| Wyoming 30 Year FHA | 2023-09-21 | 6.6% |
| Wyoming 30 Year FHA Refi | 2023-09-21 | 5.04% |
| Wyoming 30 Year USDA | 2023-09-21 | 6.28% |
| Wyoming 30 Year USDA Refi | 2023-09-21 | 7.22% |
| Wyoming 30 Year VA | 2023-09-21 | 6.43% |
| Wyoming 30 Year VA Refi | 2023-09-21 | 4.79% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wyoming.
Wyoming Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Wyoming market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Wyoming Average Closing Costs & Other Stats
Wyoming's 235 lenders originated 14,701
loans during 2022. The total origination value was $4,744,575,000, with an average loan value of
$322,738.
Wyoming's average closing costs are $5,326.
The top Wyoming lender as defined by loan originations is QUICKEN LOANS, LLC, with
506 loans originated. Their average total fees are
$6,770, which is $1,325
higher than the next largest lender,
First Interstate Bank.
The lowest fee Wyoming lenders (with over 10 loans originated) are
CHERRY CREEK MORTGAGE, LLC ($900), MOVEMENT MORTGAGE, LLC ($3,357), Gateway First Bank ($3,651), West Gate Bank ($3,900) and GUARANTEED RATE, INC. ($3,910).
The lowest rate Wyoming lenders (with over 10 loans originated) are
First Republic Bank (3.15%), Morgan Stanley Private Bank (3.35%), Bank of America (3.93%), BETTER MORTGAGE CORPORATION (3.99%) and GUARANTEED RATE, INC. (4.02%).
Wyoming Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| First Republic Bank | $337,930,000 | $402,675,000 | 19.2% | 8.5% |
| First Interstate Bank | $482,825,000 | $270,820,000 | -43.9% | 5.7% |
| QUICKEN LOANS, LLC | $606,890,000 | $239,435,000 | -60.5% | 5.0% |
| Glacier Bank | $247,985,000 | $191,295,000 | -22.9% | 4.0% |
| Jonah Bank of Wyoming | $317,480,000 | $166,635,000 | -47.5% | 3.5% |
| Wells Fargo Bank | $253,610,000 | $144,935,000 | -42.9% | 3.1% |
| Wallick & Volk, Inc. | $204,155,000 | $126,290,000 | -38.1% | 2.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $240,215,000 | $126,010,000 | -47.5% | 2.7% |
| Pinnacle Bank - Wyoming | $196,855,000 | $110,145,000 | -44.0% | 2.3% |
| JPMorgan Chase Bank | $234,425,000 | $94,670,000 | -59.6% | 2.0% |
| U.S. Bank | $157,450,000 | $89,455,000 | -43.2% | 1.9% |
| GUILD MORTGAGE COMPANY | $202,350,000 | $89,150,000 | -55.9% | 1.9% |
| Bank of America | $105,425,000 | $88,365,000 | -16.2% | 1.9% |
| CHERRY CREEK MORTGAGE, LLC | $218,730,000 | $81,980,000 | -62.5% | 1.7% |
| Meridian Trust Federal Credit Union | $37,010,000 | $66,850,000 | 80.6% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $91,350,000 | $65,415,000 | -28.4% | 1.4% |
| BAY EQUITY LLC | $124,260,000 | $64,900,000 | -47.8% | 1.4% |
| Morgan Stanley Private Bank | $72,515,000 | $64,365,000 | -11.2% | 1.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,450,000 | $63,660,000 | 2,498.4% | 1.3% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $27,970,000 | $61,890,000 | 121.3% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,150,000 | $58,730,000 | 206.7% | 1.2% |
| Mortgage Research Center, LLC | $95,995,000 | $58,550,000 | -39.0% | 1.2% |
| UBS Bank USA | $48,585,000 | $51,755,000 | 6.5% | 1.1% |
| Wyoming Bank & Trust | $96,825,000 | $50,180,000 | -48.2% | 1.1% |
| Platte Valley Bank | $67,640,000 | $50,040,000 | -26.0% | 1.1% |
| CMG MORTGAGE, INC. | $64,655,000 | $48,385,000 | -25.2% | 1.0% |
| Gateway First Bank | $45,310,000 | $46,630,000 | 2.9% | 1.0% |
| First Western Trust Bank | $16,990,000 | $41,810,000 | 146.1% | 0.9% |
| LOANDEPOT.COM, LLC | $114,860,000 | $41,680,000 | -63.7% | 0.9% |
| CENTENNIAL LENDING, LLC | $34,305,000 | $40,205,000 | 17.2% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $222,240,000 | $39,780,000 | -82.1% | 0.8% |
| Hilltop National Bank | $63,770,000 | $37,575,000 | -41.1% | 0.8% |
| Zions Bancorporation, N.A. | $44,275,000 | $35,995,000 | -18.7% | 0.8% |
| Blue Federal Credit Union | $51,220,000 | $32,720,000 | -36.1% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $77,695,000 | $30,280,000 | -61.0% | 0.6% |
| ANB Bank | $24,755,000 | $28,285,000 | 14.3% | 0.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $16,130,000 | $24,495,000 | 51.9% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $60,980,000 | $24,300,000 | -60.2% | 0.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $30,070,000 | $23,835,000 | -20.7% | 0.5% |
| Flagstar Bank, FSB | $51,200,000 | $23,435,000 | -54.2% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $29,730,000 | $22,910,000 | -22.9% | 0.5% |
| Citibank | $70,395,000 | $22,790,000 | -67.6% | 0.5% |
| First National Bank of Omaha | $2,695,000 | $22,555,000 | 736.9% | 0.5% |
| PARTNERS UNITED FINANCIAL, LLC | $30,605,000 | $22,500,000 | -26.5% | 0.5% |
| USAA Federal Savings Bank | $29,885,000 | $22,050,000 | -26.2% | 0.5% |
| Colonial Savings, F.A. | $34,470,000 | $21,825,000 | -36.7% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $50,775,000 | $20,600,000 | -59.4% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $65,995,000 | $20,515,000 | -68.9% | 0.4% |
| HOMESTAR FINANCIAL CORPORATION | $3,575,000 | $20,260,000 | 466.7% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $25,210,000 | $20,160,000 | -20.0% | 0.4% |
| BROKER SOLUTIONS, INC. | $24,820,000 | $19,345,000 | -22.1% | 0.4% |
| CALIBER HOME LOANS, INC. | $59,455,000 | $19,020,000 | -68.0% | 0.4% |
| Bank of the West | $32,020,000 | $18,755,000 | -41.4% | 0.4% |
| WESTERN VISTA | $51,145,000 | $18,545,000 | -63.7% | 0.4% |
| GUARANTEED RATE, INC. | $103,745,000 | $17,730,000 | -82.9% | 0.4% |
| AMERICAN FINANCING CORPORATION | $32,610,000 | $17,005,000 | -47.9% | 0.4% |
| Plains Commerce Bank | $37,190,000 | $16,335,000 | -56.1% | 0.3% |
| MOUNTAIN AMERICA | $10,795,000 | $16,170,000 | 49.8% | 0.3% |
| Farm Credit Mid-America, ACA | $25,675,000 | $16,025,000 | -37.6% | 0.3% |
| Unify Home Lending Inc. | $5,915,000 | $15,225,000 | 157.4% | 0.3% |
| BNY Mellon | $16,675,000 | $14,890,000 | -10.7% | 0.3% |
| Bank of Colorado | $5,825,000 | $14,740,000 | 153.0% | 0.3% |
| Goldman Sachs Bank USA | $28,790,000 | $14,665,000 | -49.1% | 0.3% |
| KeyBank | $12,665,000 | $13,995,000 | 10.5% | 0.3% |
| NEW DAY FINANCIAL, LLC | $28,775,000 | $12,995,000 | -54.8% | 0.3% |
| The Federal Savings Bank | $28,470,000 | $12,660,000 | -55.5% | 0.3% |
| WYHY | $27,120,000 | $12,330,000 | -54.5% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $28,120,000 | $12,260,000 | -56.4% | 0.3% |
| NBH Bank | $3,830,000 | $11,945,000 | 211.9% | 0.3% |
| AXIA FINANCIAL, LLC | $13,205,000 | $11,690,000 | -11.5% | 0.2% |
| NEWREZ LLC | $25,695,000 | $10,855,000 | -57.8% | 0.2% |
| Simmons Bank | $10,685,000 | n/a | 0.2% | |
| HomeStreet Bank | $10,505,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $11,595,000 | $10,440,000 | -10.0% | 0.2% |
| Flanagan State Bank | $18,775,000 | $10,270,000 | -45.3% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $9,505,000 | $9,785,000 | 2.9% | 0.2% |
| BETTER MORTGAGE CORPORATION | $52,610,000 | $9,780,000 | -81.4% | 0.2% |
| Carrington Mortgage Services, LLC | $17,735,000 | $9,715,000 | -45.2% | 0.2% |
| CRESCENT MORTGAGE COMPANY | $35,720,000 | $9,670,000 | -72.9% | 0.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,810,000 | $9,605,000 | 241.8% | 0.2% |
| Charles Schwab Bank, SSB | $33,520,000 | $9,515,000 | -71.6% | 0.2% |
| City National Bank | $37,430,000 | $9,515,000 | -74.6% | 0.2% |
| West Gate Bank | $22,745,000 | $9,305,000 | -59.1% | 0.2% |
| Independent Bank | $610,000 | $9,200,000 | 1,408.2% | 0.2% |
| NBKC BANK | $9,005,000 | $8,715,000 | -3.2% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $44,265,000 | $8,545,000 | -80.7% | 0.2% |
| PNC Bank | $15,125,000 | $8,280,000 | -45.3% | 0.2% |
| MidFirst Bank | $8,005,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $19,130,000 | $7,640,000 | -60.1% | 0.2% |
| WALKER & DUNLOP, LLC | $46,730,000 | $7,565,000 | -83.8% | 0.2% |
| ADVANTAGE PLUS | $13,715,000 | $7,500,000 | -45.3% | 0.2% |
| CANVAS CREDIT UNION | $7,230,000 | n/a | 0.2% | |
| Truist | $37,180,000 | $6,570,000 | -82.3% | 0.1% |
| Utah Power | $9,365,000 | $6,360,000 | -32.1% | 0.1% |
| 21ST MORTGAGE CORPORATION | $2,910,000 | $6,320,000 | 117.2% | 0.1% |
| North American Savings Bank, F.S.B. | $4,630,000 | $5,895,000 | 27.3% | 0.1% |
| Adams Bank & Trust | $290,000 | $5,825,000 | 1,908.6% | 0.1% |
| Stifel Bank and Trust | $17,500,000 | $5,770,000 | -67.0% | 0.1% |
| The Huntington National Bank | $10,050,000 | $5,550,000 | -44.8% | 0.1% |
| Hinsdale Bank & Trust Company | $5,495,000 | $5,425,000 | -1.3% | 0.1% |
| The Northern Trust Company | $1,505,000 | $5,005,000 | 232.6% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $6,215,000 | $5,005,000 | -19.5% | 0.1% |
| Vast Bank | $1,695,000 | $5,005,000 | 195.3% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,655,000 | $4,940,000 | 86.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,620,000 | $4,900,000 | 202.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $8,395,000 | $4,825,000 | -42.5% | 0.1% |
| Toyota Financial Savings Bank | $645,000 | $4,805,000 | 645.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,125,000 | $4,745,000 | 321.8% | 0.1% |
| PLANET HOME LENDING, LLC | $4,725,000 | $4,695,000 | -0.6% | 0.1% |
| Nations Lending Corporation | $6,455,000 | $4,550,000 | -29.5% | 0.1% |
| NuVision Federal Credit Union | $3,990,000 | $4,540,000 | 13.8% | 0.1% |
| AMERICAN ADVISORS GROUP | $7,145,000 | $4,445,000 | -37.8% | 0.1% |
| LIMA ONE CAPITAL, LLC | $4,320,000 | n/a | 0.1% | |
| KS StateBank | $990,000 | $4,125,000 | 316.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $13,640,000 | $4,005,000 | -70.6% | 0.1% |
| HIGHMARK | $4,245,000 | $3,975,000 | -6.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $7,965,000 | $3,940,000 | -50.5% | 0.1% |
| Summit Mortgage Corporation | $1,145,000 | $3,855,000 | 236.7% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $8,910,000 | $3,700,000 | -58.5% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $5,910,000 | $3,635,000 | -38.5% | 0.1% |
| Traditional Bank, Inc. | $3,415,000 | n/a | 0.1% | |
| Lake Forest Bank & Trust | $3,405,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $615,000 | $3,395,000 | 452.0% | 0.1% |
| EMBRACE HOME LOANS, INC. | $465,000 | $3,240,000 | 596.8% | 0.1% |
| Discover Bank | $965,000 | $3,230,000 | 234.7% | 0.1% |
| Northpointe Bank | $3,955,000 | $3,225,000 | -18.5% | 0.1% |
| Midwest BankCentre | $1,510,000 | $3,205,000 | 112.3% | 0.1% |
| Ally Bank | $1,855,000 | $3,170,000 | 70.9% | 0.1% |
| Capital One | $3,035,000 | n/a | 0.1% | |
| Amerifirst Financial, Inc. | $1,430,000 | $3,015,000 | 110.8% | 0.1% |
| WINGS FINANCIAL | $75,000 | $2,985,000 | 3,880.0% | 0.1% |
| UNIVERSAL LENDING CORPORATION | $3,860,000 | $2,980,000 | -22.8% | 0.1% |
| First Education Federal Credit Union | $2,910,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $7,955,000 | $2,870,000 | -63.9% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $13,635,000 | $2,835,000 | -79.2% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,485,000 | $2,770,000 | 86.5% | 0.1% |
| First Guaranty Mortgage Corporation | $16,995,000 | $2,665,000 | -84.3% | 0.1% |
| First Horizon Bank | $1,125,000 | $2,645,000 | 135.1% | 0.1% |
| Home Federal Bank | $2,625,000 | n/a | 0.1% | |
| BLACK HILLS FEDERAL CREDIT UNION | $1,110,000 | $2,565,000 | 131.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $390,000 | $2,530,000 | 548.7% | 0.1% |
| AMERICAN INTERNET MORTGAGE, INC. | $3,965,000 | $2,520,000 | -36.4% | 0.1% |
| Figure Lending LLC | $785,000 | $2,515,000 | 220.4% | 0.1% |
| M&T Bank | $3,070,000 | $2,490,000 | -18.9% | 0.1% |
| SUMMIT FUNDING, INC. | $1,000,000 | $2,485,000 | 148.5% | 0.1% |
| American State Bank | $2,455,000 | n/a | 0.1% | |
| Bank of England | $2,450,000 | $2,455,000 | 0.2% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $3,800,000 | $2,430,000 | -36.1% | 0.1% |
| BMO Harris Bank | $8,420,000 | $2,420,000 | -71.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $6,330,000 | $2,410,000 | -61.9% | 0.1% |
| Old National Bank | $2,405,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $2,365,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $3,445,000 | $2,365,000 | -31.3% | 0.0% |
| Low VA Rates, LLC | $11,540,000 | $2,280,000 | -80.2% | 0.0% |
| INTERCAP LENDING INC. | $3,810,000 | $2,275,000 | -40.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,570,000 | $2,160,000 | 37.6% | 0.0% |
| Hometown Equity Mortgage, LLC | $2,135,000 | n/a | 0.0% | |
| Willamette Valley Bank | $1,865,000 | $2,035,000 | 9.1% | 0.0% |
| PHH Mortgage Corporation | $2,280,000 | $2,005,000 | -12.1% | 0.0% |
| Magnolia Bank | $6,305,000 | $1,990,000 | -68.4% | 0.0% |
| MANN FINANCIAL INC. | $1,435,000 | $1,980,000 | 38.0% | 0.0% |
| Armed Forces Bank | $845,000 | $1,975,000 | 133.7% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,040,000 | $1,935,000 | 86.1% | 0.0% |
| MORIA DEVELOPMENT, INC. | $12,535,000 | $1,805,000 | -85.6% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $1,895,000 | $1,700,000 | -10.3% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $355,000 | $1,680,000 | 373.2% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $2,480,000 | $1,665,000 | -32.9% | 0.0% |
| BANKWEST, INC. | $2,450,000 | $1,630,000 | -33.5% | 0.0% |
| Bank of Utah | $1,915,000 | $1,610,000 | -15.9% | 0.0% |
| Points West Community Bank | $6,575,000 | $1,450,000 | -77.9% | 0.0% |
| HOME MORTGAGE ALLIANCE, LLC | $55,000 | $1,410,000 | 2,463.6% | 0.0% |
| First Merchants Bank | $1,355,000 | n/a | 0.0% | |
| Cache Valley Bank | $1,750,000 | $1,350,000 | -22.9% | 0.0% |
| Peak Financial | $1,350,000 | n/a | 0.0% | |
| BOKF | $1,680,000 | $1,345,000 | -19.9% | 0.0% |
| Bank-Fund Staff Federal Credit Union | $1,335,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $5,050,000 | $1,300,000 | -74.3% | 0.0% |
| CHEVRON | $2,410,000 | $1,255,000 | -47.9% | 0.0% |
| Equity Prime Mortgage LLC | $2,595,000 | $1,255,000 | -51.6% | 0.0% |
| Paramount Bank | $1,410,000 | $1,240,000 | -12.1% | 0.0% |
| GROUP MORTGAGE, LLC | $1,495,000 | $1,235,000 | -17.4% | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | $1,225,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $1,170,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $1,260,000 | $1,165,000 | -7.5% | 0.0% |
| First Internet Bank of Indiana | $4,630,000 | $1,140,000 | -75.4% | 0.0% |
| VALLEY FINANCIAL CREDIT UNION | $1,485,000 | $1,120,000 | -24.6% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $5,800,000 | $1,110,000 | -80.9% | 0.0% |
| OPEN MORTGAGE, LLC | $71,185,000 | $1,100,000 | -98.5% | 0.0% |
| BNC National Bank | $5,500,000 | $1,095,000 | -80.1% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,045,000 | $1,090,000 | 4.3% | 0.0% |
| AMCAP MORTGAGE, LTD. | $2,470,000 | $1,085,000 | -56.1% | 0.0% |
| Utah Mortgage Loan Corporation | $420,000 | $1,060,000 | 152.4% | 0.0% |
| Umpqua Bank | $2,700,000 | $1,055,000 | -60.9% | 0.0% |
| Jefferson Bank | $1,045,000 | n/a | 0.0% | |
| First National Bank | $395,000 | $1,035,000 | 162.0% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $5,400,000 | $1,025,000 | -81.0% | 0.0% |
| LADERA LENDING, INC. | $1,020,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $1,790,000 | $1,015,000 | -43.3% | 0.0% |
| ATHAS CAPITAL GROUP, INC. | $1,005,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $995,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $990,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $2,025,000 | $985,000 | -51.4% | 0.0% |
| West Texas National Bank | $985,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $295,000 | $945,000 | 220.3% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $480,000 | $930,000 | 93.8% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $1,700,000 | $920,000 | -45.9% | 0.0% |
| Dacotah Bank | $125,000 | $915,000 | 632.0% | 0.0% |
| Wyndham Capital Mortgage, Inc. | $8,975,000 | $905,000 | -89.9% | 0.0% |
| THRIVE MORTGAGE, LLC | $900,000 | n/a | 0.0% | |
| First Federal Bank | $3,015,000 | $890,000 | -70.5% | 0.0% |
| TOWER | $885,000 | n/a | 0.0% | |
| The Central Trust Bank | $620,000 | $865,000 | 39.5% | 0.0% |
| AmRes Corporation | $860,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $310,000 | $830,000 | 167.7% | 0.0% |
| Citizens Bank | $2,620,000 | $800,000 | -69.5% | 0.0% |
| CANOPY MORTGAGE, LLC | $945,000 | $795,000 | -15.9% | 0.0% |
| Service Federal Credit Union | $785,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $4,575,000 | $775,000 | -83.1% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $315,000 | $770,000 | 144.4% | 0.0% |
| Pioneer Bank & Trust | $1,655,000 | $765,000 | -53.8% | 0.0% |
| S1L, Inc. | $805,000 | $765,000 | -5.0% | 0.0% |
| Bell Bank | $735,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $725,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $35,000 | $715,000 | 1,942.9% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $1,475,000 | $710,000 | -51.9% | 0.0% |
| T2 FINANCIAL LLC | $710,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $105,000 | $705,000 | 571.4% | 0.0% |
| Deseret First Credit Union | $215,000 | $695,000 | 223.3% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $175,000 | $690,000 | 294.3% | 0.0% |
| Prosperity Home Mortgage, LLC | $285,000 | $690,000 | 142.1% | 0.0% |
| Quontic Bank | $490,000 | $690,000 | 40.8% | 0.0% |
| FRANKLIN MINT | $675,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $2,070,000 | $670,000 | -67.6% | 0.0% |
| Opportunity Bank of Montana | $895,000 | $665,000 | -25.7% | 0.0% |
| SOFI LENDING CORP. | $5,120,000 | $665,000 | -87.0% | 0.0% |
| Peapack-Gladstone Bank | $655,000 | n/a | 0.0% | |
| Citizens Bank Minnesota | $645,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $345,000 | $645,000 | 87.0% | 0.0% |
| LENDSURE MORTGAGE CORP. | $645,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $645,000 | n/a | 0.0% | |
| Security First Bank | $4,075,000 | $645,000 | -84.2% | 0.0% |
| Red River Bank | $635,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $635,000 | n/a | 0.0% | |
| INB | $625,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $625,000 | n/a | 0.0% | |
| FirstBank | $3,800,000 | $620,000 | -83.7% | 0.0% |
| Servion, Inc. | $185,000 | $620,000 | 235.1% | 0.0% |
| Axos Bank | $2,285,000 | $600,000 | -73.7% | 0.0% |
| PERFORMANCE EQUITY PARTNERS, INC. | $580,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,415,000 | $580,000 | -76.0% | 0.0% |
| Starion Bank | $575,000 | n/a | 0.0% | |
| VERITAS FUNDING, LLC | $905,000 | $570,000 | -37.0% | 0.0% |
| RBC Bank, (Georgia) | $305,000 | $560,000 | 83.6% | 0.0% |
| DAS Acquisition Company, LLC | $5,210,000 | $550,000 | -89.4% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $550,000 | n/a | 0.0% | |
| GRANITE FEDERAL CREDIT UNION | $535,000 | n/a | 0.0% | |
| The Union Bank Company | $600,000 | $530,000 | -11.7% | 0.0% |
| TrailWest Bank | $530,000 | n/a | 0.0% | |
| UNIVERSITY LENDING GROUP, LLC | $525,000 | n/a | 0.0% | |
| Cornerstone Bank | $505,000 | n/a | 0.0% | |
| Cornerstone National Bank & Trust Company | $505,000 | n/a | 0.0% | |
| Heritage Bank | $2,140,000 | $495,000 | -76.9% | 0.0% |
| Centennial Bank | $485,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $710,000 | $485,000 | -31.7% | 0.0% |
| CITIZENS EQUITY FIRST | $470,000 | n/a | 0.0% | |
| ARC HOME LLC | $920,000 | $455,000 | -50.5% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $245,000 | $455,000 | 85.7% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $1,080,000 | $455,000 | -57.9% | 0.0% |
| Renasant Bank | $455,000 | n/a | 0.0% | |
| NFM, INC. | $225,000 | $450,000 | 100.0% | 0.0% |
| ANCHOR LOANS, LP | $430,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $750,000 | $430,000 | -42.7% | 0.0% |
| BEEHIVE | $1,280,000 | $425,000 | -66.8% | 0.0% |
| Hometown Lenders, Inc. | $165,000 | $425,000 | 157.6% | 0.0% |
| F & M Bank | $415,000 | n/a | 0.0% | |
| Texana Bank | $725,000 | $410,000 | -43.4% | 0.0% |
| First Federal Bank of Kansas City | $285,000 | $395,000 | 38.6% | 0.0% |
| Fortress Bank | $395,000 | n/a | 0.0% | |
| Operating Engineers Local Union #3 | $395,000 | n/a | 0.0% | |
| SECURITY SERVICE | $395,000 | n/a | 0.0% | |
| The Bank of Commerce | $1,950,000 | $395,000 | -79.7% | 0.0% |
| First National Bank of America | $520,000 | $385,000 | -26.0% | 0.0% |
| SIRVA MORTGAGE, INC. | $375,000 | n/a | 0.0% | |
| Truity Federal Credit Union | $355,000 | $375,000 | 5.6% | 0.0% |
| EQUITABLE SAVINGS AND LOAN ASSOCIATION | $370,000 | n/a | 0.0% | |
| Citizens Alliance Bank | $365,000 | n/a | 0.0% | |
| NEST HOME LENDING, LLC | $315,000 | $365,000 | 15.9% | 0.0% |
| Waterstone Mortgage Corporation | $1,875,000 | $365,000 | -80.5% | 0.0% |
| Stockmens Bank | $355,000 | n/a | 0.0% | |
| First Home Bank | $3,445,000 | $350,000 | -89.8% | 0.0% |
| NEXERA HOLDING LLC | $350,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $345,000 | n/a | 0.0% | |
| Bank of Idaho | $460,000 | $345,000 | -25.0% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $225,000 | $345,000 | 53.3% | 0.0% |
| NexBank | $1,155,000 | $345,000 | -70.1% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $125,000 | $340,000 | 172.0% | 0.0% |
| OAKTREE FUNDING CORP. | $335,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $980,000 | $335,000 | -65.8% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $315,000 | n/a | 0.0% | |
| Busey Bank | $315,000 | n/a | 0.0% | |
| CHARTER WEST BANK | $205,000 | $315,000 | 53.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $7,800,000 | $310,000 | -96.0% | 0.0% |
| BECKAM FUNDING CORP. | $305,000 | n/a | 0.0% | |
| ASHLAND Credit Union | $285,000 | $300,000 | 5.3% | 0.0% |
| Frontier Bank | $410,000 | $295,000 | -28.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $350,000 | $295,000 | -15.7% | 0.0% |
| First Bank | $395,000 | $275,000 | -30.4% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $435,000 | $265,000 | -39.1% | 0.0% |
| Eagle Bank and Trust Company | $425,000 | $265,000 | -37.6% | 0.0% |
| KELLER MORTGAGE, LLC | $1,395,000 | $265,000 | -81.0% | 0.0% |
| DATA MORTGAGE, INC. | $255,000 | n/a | 0.0% | |
| Core Bank | $235,000 | n/a | 0.0% | |
| Dollar Bank, Federal Savings Bank | $235,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
| American National Bank | $225,000 | n/a | 0.0% | |
| Gate City Bank | $205,000 | $225,000 | 9.8% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| Sunflower Bank | $2,035,000 | $225,000 | -88.9% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $640,000 | $220,000 | -65.6% | 0.0% |
| Academy Bank | $205,000 | n/a | 0.0% | |
| BankPlus | $155,000 | $205,000 | 32.3% | 0.0% |
| Financial Funding Solutions, Inc. | $1,755,000 | $205,000 | -88.3% | 0.0% |
| LENDINGONE, LLC | $245,000 | $205,000 | -16.3% | 0.0% |
| Mid-Continent Funding, Inc. | $1,015,000 | $205,000 | -79.8% | 0.0% |
| Southwest Airlines Federal Credit Union | $205,000 | n/a | 0.0% | |
| Western State Bank | $205,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $195,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $195,000 | n/a | 0.0% | |
| Nicolet National Bank | $255,000 | $185,000 | -27.5% | 0.0% |
| COLORADO CREDIT UNION | $175,000 | n/a | 0.0% | |
| ITHINK FINANCIAL Credit Union | $175,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $175,000 | n/a | 0.0% | |
| FOUR POINTS | $155,000 | n/a | 0.0% | |
| Stockman Bank of Montana | $580,000 | $155,000 | -73.3% | 0.0% |
| NUMARK CREDIT UNION | $65,000 | $150,000 | 130.8% | 0.0% |
| Hometown Credit Union | $145,000 | n/a | 0.0% | |
| Wasatch Peaks Federal Credit Union | $1,010,000 | $145,000 | -85.6% | 0.0% |
| Centra Credit Union | $135,000 | n/a | 0.0% | |
| Rock Canyon Bank | $185,000 | $125,000 | -32.4% | 0.0% |
| Altana Federal Credit Union | $115,000 | n/a | 0.0% | |
| Choice Financial Group | $115,000 | n/a | 0.0% | |
| RCN Capital, LLC | $165,000 | $115,000 | -30.3% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| JAMES B. NUTTER & COMPANY | $560,000 | $85,000 | -84.8% | 0.0% |
| RAILWAY CREDIT UNION | $65,000 | n/a | 0.0% | |
| Columbia State Bank | $595,000 | $55,000 | -90.8% | 0.0% |
| ENCORE BANK | $55,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $610,000 | $55,000 | -91.0% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $25,000 | $50,000 | 100.0% | 0.0% |
| STAR USA FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $45,000 | n/a | 0.0% | |
| Centier Bank | $75,000 | $35,000 | -53.3% | 0.0% |
| Pinnacle Bank | $345,000 | $35,000 | -89.9% | 0.0% |
Wyoming's top lender by overall market share is First Republic Bank, with 8.5% market share. In second place, with 5.7%, is First Interstate Bank, having originated $270,820,000 in loans. In third place, with 5.0%, is QUICKEN LOANS, LLC, having originated $239,435,000 in loans. In fourth place, with 4.0%, is Glacier Bank, having originated $191,295,000 in loans. In fifth place, with 3.5%, is Jonah Bank of Wyoming, having originated $166,635,000 in loans.
Wyoming Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,324 | $2,837,690,000 | $340,905 |
| Cash Out Refi | 2,803 | $836,145,000 | $298,304 |
| Refi | 1,749 | $599,185,000 | $342,587 |
| Other | 987 | $306,705,000 | $310,745 |
| Home Improvement | 834 | $102,960,000 | $123,453 |
| NA | 4 | $61,890,000 | $15,472,500 |
Wyoming's most frequently cited loan purpose was Home Purchase, with 8,324 originations. The 2nd most popular reason was Cash Out Refi, with 2,803 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 3,538 | $1,134,560,000 | $320,678 |
| 5-6% | 3,081 | $873,865,000 | $283,630 |
| 3-4% | 3,054 | $1,163,900,000 | $381,107 |
| 6-7% | 1,353 | $340,135,000 | $251,393 |
| <2.5% | 1,082 | $299,840,000 | $277,116 |
| 2.5-3% | 1,049 | $529,335,000 | $504,609 |
| 7-8% | 468 | $79,280,000 | $169,402 |
| Over 8% | 229 | $21,725,000 | $94,869 |
During 2022, Wyoming's most frequently originated rate bucket was 4-5%, with 3,538 originations.
Loan Sizing (Wyoming MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 6,106 | $1,718,600,000 | $281,461 |
| $100k-200k | 3,583 | $546,195,000 | $152,441 |
| $100,000 or less | 2,660 | $133,850,000 | $50,320 |
| $400k-600k | 1,436 | $677,130,000 | $471,539 |
| $600k-1000k | 487 | $349,895,000 | $718,470 |
| $Over $1MM | 429 | $1,318,905,000 | $3,074,371 |
Wyoming's loan sizing saw the bucket of loans from $200k-400k with 6,106 originations, totaling $1,718,600,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,172 | $1,595,800,000 | $308,546 |
| 60-80% | 3,573 | $1,435,475,000 | $401,756 |
| Under 20% | 1,783 | $152,155,000 | $85,337 |
| 40-60% | 1,642 | $733,350,000 | $446,620 |
| 20-40% | 1,289 | $354,265,000 | $274,837 |
| Over 100% | 269 | $148,115,000 | $550,613 |
Wyoming's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,172 originations, totaling $1,595,800,000 in origination value.