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
6.63%
for the week of 2024-12-12, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2024-12-05) was
6.52% and
one month ago for the week of 2024-11-07, the
average rate was 6.62%.
Wyoming's average rate one year ago was 6.86%.
For refis of the same type during the week of 2024-12-12, the average rate
was 7.03%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-12-12 | 6.6% |
| Wyoming 30 Year Fixed Rate | 2024-12-12 | 6.63% |
| Wyoming 30 Year Fixed Rate Refi | 2024-12-12 | 7.03% |
| Wyoming 15 Year Fixed Rate | 2024-12-12 | 6.24% |
| Wyoming 15 Year Fixed Rate Refi | 2024-12-12 | 6.14% |
| Wyoming 30 Year FHA | 2024-12-12 | 5.92% |
| Wyoming 30 Year FHA Refi | 2024-12-12 | 6.18% |
| Wyoming 30 Year USDA | 2024-12-12 | 5.77% |
| Wyoming 30 Year USDA Refi | 2024-12-12 | 6.4% |
| Wyoming 30 Year VA | 2024-12-12 | 6.14% |
| Wyoming 30 Year VA Refi | 2024-12-12 | 6.28% |
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 223 lenders originated 9,736
loans during 2023. The total origination value was $2,654,990,000, with an average loan value of
$272,698.
Wyoming's average closing costs are $5,569.
The top Wyoming lender as defined by loan originations is QUICKEN LOANS, LLC, with
288 loans originated. Their average total fees are
$7,409, which is $1,760
higher than the next largest lender,
Jonah Bank of Wyoming.
The lowest fee Wyoming lenders (with over 10 loans originated) are
ANB Bank ($1,363), Unify Home Lending Inc. ($4,130), West Gate Bank ($4,248), First National Bank of Omaha ($4,418) and Meridian Trust Federal Credit Union ($4,480).
The lowest rate Wyoming lenders (with over 10 loans originated) are
First Republic Bank (4.71%), Morgan Stanley Private Bank (5.77%), Zions Bank (6.04%), NAVY FEDERAL CREDIT UNION (6.16%) and ANB Bank (6.20%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $239,435,000 | $154,580,000 | -35.4% | 5.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $126,010,000 | $129,720,000 | 2.9% | 4.9% |
| Jonah Bank of Wyoming | $166,635,000 | $105,925,000 | -36.4% | 4.0% |
| First Interstate Bank | $270,820,000 | $103,670,000 | -61.7% | 3.9% |
| Wallick & Volk, Inc. | $126,290,000 | $95,780,000 | -24.2% | 3.6% |
| GUILD MORTGAGE COMPANY | $89,150,000 | $91,535,000 | 2.7% | 3.4% |
| Glacier Bank | $191,295,000 | $91,505,000 | -52.2% | 3.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $65,415,000 | $87,185,000 | 33.3% | 3.3% |
| Pinnacle Bank - Wyoming | $110,145,000 | $66,380,000 | -39.7% | 2.5% |
| Mortgage Research Center, LLC | $58,550,000 | $59,820,000 | 2.2% | 2.3% |
| JPMorgan Chase Bank | $94,670,000 | $58,915,000 | -37.8% | 2.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $58,730,000 | $54,605,000 | -7.0% | 2.1% |
| First Republic Bank | $402,675,000 | $48,925,000 | -87.9% | 1.8% |
| U.S. Bank | $89,455,000 | $47,435,000 | -47.0% | 1.8% |
| Prudential Huntoon Paige Associates, LLC | $47,180,000 | n/a | 1.8% | |
| BAY EQUITY LLC | $64,900,000 | $40,870,000 | -37.0% | 1.5% |
| Wells Fargo Bank | $144,935,000 | $38,590,000 | -73.4% | 1.5% |
| CMG MORTGAGE, INC. | $48,385,000 | $36,375,000 | -24.8% | 1.4% |
| NBH Bank | $11,945,000 | $36,130,000 | 202.5% | 1.4% |
| Platte Valley Bank | $50,040,000 | $35,365,000 | -29.3% | 1.3% |
| Wyoming Bank & Trust | $50,180,000 | $32,110,000 | -36.0% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $63,660,000 | $31,770,000 | -50.1% | 1.2% |
| Meridian Trust Federal Credit Union | $66,850,000 | $30,395,000 | -54.5% | 1.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $23,835,000 | $28,670,000 | 20.3% | 1.1% |
| Gateway First Bank | $46,630,000 | $28,650,000 | -38.6% | 1.1% |
| Hilltop National Bank | $37,575,000 | $26,445,000 | -29.6% | 1.0% |
| Blue Federal Credit Union | $32,720,000 | $24,465,000 | -25.2% | 0.9% |
| Zions Bank | $35,995,000 | $23,265,000 | -35.4% | 0.9% |
| Morgan Stanley Private Bank | $64,365,000 | $22,420,000 | -65.2% | 0.8% |
| First Western Trust Bank | $41,810,000 | $21,435,000 | -48.7% | 0.8% |
| Charles Schwab Bank, SSB | $9,515,000 | $20,445,000 | 114.9% | 0.8% |
| UBS Bank USA | $51,755,000 | $20,155,000 | -61.1% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $22,910,000 | $19,005,000 | -17.0% | 0.7% |
| ANB Bank | $28,285,000 | $17,130,000 | -39.4% | 0.6% |
| Bank of America | $88,365,000 | $17,105,000 | -80.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $20,600,000 | $16,080,000 | -21.9% | 0.6% |
| CORNERSTONE HOME LENDING, INC. | $12,260,000 | $15,975,000 | 30.3% | 0.6% |
| Plains Commerce Bank | $16,335,000 | $14,855,000 | -9.1% | 0.6% |
| Unify Home Lending Inc. | $15,225,000 | $14,515,000 | -4.7% | 0.5% |
| GREYSTONE SERVICING COMPANY LLC | $1,225,000 | $14,475,000 | 1,081.6% | 0.5% |
| AXIA FINANCIAL, LLC | $11,690,000 | $14,145,000 | 21.0% | 0.5% |
| PNC Bank | $8,280,000 | $14,070,000 | 69.9% | 0.5% |
| ACADEMY MORTGAGE CORPORATION | $9,785,000 | $14,065,000 | 43.7% | 0.5% |
| First National Bank of Omaha | $22,555,000 | $13,685,000 | -39.3% | 0.5% |
| USAA Federal Savings Bank | $22,050,000 | $13,610,000 | -38.3% | 0.5% |
| BROKER SOLUTIONS, INC. | $19,345,000 | $13,205,000 | -31.7% | 0.5% |
| NEWREZ LLC | $10,855,000 | $13,190,000 | 21.5% | 0.5% |
| Dollar Bank, Federal Savings Bank | $235,000 | $13,170,000 | 5,504.3% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $30,280,000 | $12,840,000 | -57.6% | 0.5% |
| LOANDEPOT.COM, LLC | $41,680,000 | $12,465,000 | -70.1% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $7,640,000 | $12,135,000 | 58.8% | 0.5% |
| Citibank | $22,790,000 | $11,705,000 | -48.6% | 0.4% |
| GUARANTEED RATE, INC. | $17,730,000 | $10,700,000 | -39.7% | 0.4% |
| WESTERN VISTA | $18,545,000 | $10,595,000 | -42.9% | 0.4% |
| Flagstar Bank, FSB | $23,435,000 | $10,285,000 | -56.1% | 0.4% |
| Goldman Sachs Bank USA | $14,665,000 | $10,015,000 | -31.7% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $39,780,000 | $9,975,000 | -74.9% | 0.4% |
| Farm Credit Mid-America, ACA | $16,025,000 | $9,795,000 | -38.9% | 0.4% |
| Colonial Savings, F.A. | $21,825,000 | $9,570,000 | -56.2% | 0.4% |
| BMO Harris Bank | $2,420,000 | $9,215,000 | 280.8% | 0.3% |
| FirsTier Bank | $9,055,000 | n/a | 0.3% | |
| ON Q FINANCIAL, INC. | $175,000 | $8,805,000 | 4,931.4% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $8,720,000 | n/a | 0.3% | |
| West Gate Bank | $9,305,000 | $8,660,000 | -6.9% | 0.3% |
| WYHY | $12,330,000 | $8,540,000 | -30.7% | 0.3% |
| Central Bank & Trust | $8,220,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $10,440,000 | $7,935,000 | -24.0% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $9,670,000 | $7,775,000 | -19.6% | 0.3% |
| Raymond James Bank | $7,770,000 | n/a | 0.3% | |
| Flanagan State Bank | $10,270,000 | $7,680,000 | -25.2% | 0.3% |
| CHERRY CREEK MORTGAGE, LLC | $81,980,000 | $7,305,000 | -91.1% | 0.3% |
| 21ST MORTGAGE CORPORATION | $6,320,000 | $6,830,000 | 8.1% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,700,000 | $6,430,000 | 73.8% | 0.2% |
| Commerce Home Mortgage, Inc. | $725,000 | $6,410,000 | 784.1% | 0.2% |
| Stride Bank | $6,375,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $20,515,000 | $6,305,000 | -69.3% | 0.2% |
| HIGHMARK | $3,975,000 | $6,255,000 | 57.4% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $4,900,000 | $6,220,000 | 26.9% | 0.2% |
| The Northern Trust Company | $5,005,000 | $6,020,000 | 20.3% | 0.2% |
| The Federal Savings Bank | $12,660,000 | $5,830,000 | -53.9% | 0.2% |
| Old National Bank | $2,405,000 | $5,785,000 | 140.5% | 0.2% |
| NEW DAY FINANCIAL, LLC | $12,995,000 | $5,710,000 | -56.1% | 0.2% |
| CENTENNIAL LENDING, LLC | $40,205,000 | $5,705,000 | -85.8% | 0.2% |
| WALKER & DUNLOP, LLC | $7,565,000 | $5,705,000 | -24.6% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,300,000 | $5,665,000 | 335.8% | 0.2% |
| Servion, Inc. | $620,000 | $5,645,000 | 810.5% | 0.2% |
| The Huntington National Bank | $5,550,000 | $5,565,000 | 0.3% | 0.2% |
| CARDINAL FINANCIAL | $20,160,000 | $5,560,000 | -72.4% | 0.2% |
| NuVision Federal Credit Union | $4,540,000 | $4,865,000 | 7.2% | 0.2% |
| Vast Bank | $5,005,000 | $4,825,000 | -3.6% | 0.2% |
| MOUNTAIN AMERICA | $16,170,000 | $4,560,000 | -71.8% | 0.2% |
| City Bank | $4,505,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $2,160,000 | $4,395,000 | 103.5% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,410,000 | $4,365,000 | 81.1% | 0.2% |
| Discover Bank | $3,230,000 | $4,295,000 | 33.0% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $3,940,000 | $4,055,000 | 2.9% | 0.2% |
| Carrington Mortgage Services, LLC | $9,715,000 | $4,040,000 | -58.4% | 0.2% |
| AMERICAN FINANCING CORPORATION | $17,005,000 | $3,930,000 | -76.9% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,910,000 | n/a | 0.1% | |
| Figure Lending LLC | $2,515,000 | $3,695,000 | 46.9% | 0.1% |
| Northwest Farm Credit Services, FLCA | $3,680,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $2,365,000 | $3,610,000 | 52.6% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $5,005,000 | $3,555,000 | -29.0% | 0.1% |
| Truist | $6,570,000 | $3,545,000 | -46.0% | 0.1% |
| LENDSURE MORTGAGE CORP. | $645,000 | $3,525,000 | 446.5% | 0.1% |
| Citadel Servicing Corporation | $3,395,000 | $3,500,000 | 3.1% | 0.1% |
| Utah Power | $6,360,000 | $3,500,000 | -45.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $4,825,000 | $3,415,000 | -29.2% | 0.1% |
| NBKC BANK | $8,715,000 | $3,310,000 | -62.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,005,000 | $3,195,000 | -20.2% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $8,545,000 | $3,185,000 | -62.7% | 0.1% |
| PLANET HOME LENDING, LLC | $4,695,000 | $3,185,000 | -32.2% | 0.1% |
| Hancock Whitney Bank | $3,105,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $710,000 | $3,090,000 | 335.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,530,000 | $3,065,000 | 21.1% | 0.1% |
| First Merchants Bank | $1,355,000 | $3,005,000 | 121.8% | 0.1% |
| INTERCAP LENDING INC. | $2,275,000 | $3,005,000 | 32.1% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,665,000 | $2,945,000 | 76.9% | 0.1% |
| BOKF | $1,345,000 | $2,930,000 | 117.8% | 0.1% |
| TOWNE MORTGAGE COMPANY | $1,170,000 | $2,890,000 | 147.0% | 0.1% |
| Axos Bank | $600,000 | $2,805,000 | 367.5% | 0.1% |
| RF Renovo Management Company, LLC | $2,715,000 | n/a | 0.1% | |
| ADVANTAGE PLUS | $7,500,000 | $2,705,000 | -63.9% | 0.1% |
| UNION HOME MORTGAGE CORP. | $945,000 | $2,695,000 | 185.2% | 0.1% |
| City National Bank | $9,515,000 | $2,645,000 | -72.2% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $345,000 | $2,640,000 | 665.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $4,940,000 | $2,630,000 | -46.8% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $2,585,000 | n/a | 0.1% | |
| PARTNERS UNITED FINANCIAL, LLC | $22,500,000 | $2,550,000 | -88.7% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $2,525,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $5,770,000 | $2,455,000 | -57.5% | 0.1% |
| First Education Federal Credit Union | $2,910,000 | $2,395,000 | -17.7% | 0.1% |
| BETTER MORTGAGE CORPORATION | $9,780,000 | $2,375,000 | -75.7% | 0.1% |
| Comerica Bank | $2,265,000 | n/a | 0.1% | |
| Ixonia Bank | $2,215,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $2,140,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $350,000 | $2,030,000 | 480.0% | 0.1% |
| FUNDLOANS CAPITAL | $2,020,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $1,100,000 | $2,020,000 | 83.6% | 0.1% |
| KeyBank | $13,995,000 | $1,915,000 | -86.3% | 0.1% |
| VALLEY FINANCIAL CREDIT UNION | $1,120,000 | $1,870,000 | 67.0% | 0.1% |
| Coastal Community Bank | $1,865,000 | n/a | 0.1% | |
| UNIVERSAL LENDING CORPORATION | $2,980,000 | $1,865,000 | -37.4% | 0.1% |
| Northpointe Bank | $3,225,000 | $1,820,000 | -43.6% | 0.1% |
| Points West Community Bank | $1,450,000 | $1,800,000 | 24.1% | 0.1% |
| TrailWest Bank | $530,000 | $1,765,000 | 233.0% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $770,000 | $1,710,000 | 122.1% | 0.1% |
| North American Savings Bank, F.S.B. | $5,895,000 | $1,645,000 | -72.1% | 0.1% |
| Ally Bank | $3,170,000 | $1,635,000 | -48.4% | 0.1% |
| Equity Prime Mortgage LLC | $1,255,000 | $1,615,000 | 28.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $2,835,000 | $1,615,000 | -43.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $24,495,000 | $1,425,000 | -94.2% | 0.1% |
| Middletown Valley Bank | $1,365,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,935,000 | $1,360,000 | -29.7% | 0.1% |
| Bank of Colorado | $14,740,000 | $1,320,000 | -91.0% | 0.0% |
| First International Bank & Trust | $1,305,000 | n/a | 0.0% | |
| Nations Lending Corporation | $4,550,000 | $1,305,000 | -71.3% | 0.0% |
| Pioneer Bank & Trust | $765,000 | $1,305,000 | 70.6% | 0.0% |
| BERKADIA COMMERCIAL MORTGAGE LLC | $61,890,000 | $1,295,000 | -97.9% | 0.0% |
| FirstBank | $620,000 | $1,295,000 | 108.9% | 0.0% |
| Armed Forces Bank | $1,975,000 | $1,260,000 | -36.2% | 0.0% |
| Magnolia Bank | $1,990,000 | $1,250,000 | -37.2% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,025,000 | $1,240,000 | 21.0% | 0.0% |
| BANKWEST, INC. | $1,630,000 | $1,240,000 | -23.9% | 0.0% |
| BNY Mellon | $14,890,000 | $1,210,000 | -91.9% | 0.0% |
| EVERETT FINANCIAL, INC. | $4,745,000 | $1,210,000 | -74.5% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,180,000 | n/a | 0.0% | |
| M&T Bank | $2,490,000 | $1,155,000 | -53.6% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $580,000 | $1,145,000 | 97.4% | 0.0% |
| First National Bank | $1,035,000 | $1,140,000 | 10.1% | 0.0% |
| Umpqua Bank | $1,055,000 | $1,100,000 | 4.3% | 0.0% |
| New Century Bank | $1,095,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $2,365,000 | $1,075,000 | -54.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $1,680,000 | $1,030,000 | -38.7% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $1,700,000 | $1,030,000 | -39.4% | 0.0% |
| VERITAS FUNDING, LLC | $570,000 | $1,020,000 | 78.9% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $310,000 | $1,005,000 | 224.2% | 0.0% |
| HOMESTAR FINANCIAL CORPORATION | $20,260,000 | $995,000 | -95.1% | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | $2,565,000 | $980,000 | -61.8% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $930,000 | $980,000 | 5.4% | 0.0% |
| First Federal Bank | $890,000 | $975,000 | 9.6% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $345,000 | $935,000 | 171.0% | 0.0% |
| Cache Valley Bank | $1,350,000 | $925,000 | -31.5% | 0.0% |
| Peak Financial | $1,350,000 | $875,000 | -35.2% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $1,110,000 | $870,000 | -21.6% | 0.0% |
| Eagle Bank and Trust Company | $265,000 | $855,000 | 222.6% | 0.0% |
| Bethpage Federal Credit Union | $705,000 | $815,000 | 15.6% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $455,000 | $815,000 | 79.1% | 0.0% |
| Origin Bank | $805,000 | n/a | 0.0% | |
| Deseret First Credit Union | $695,000 | $790,000 | 13.7% | 0.0% |
| S1L, Inc. | $765,000 | $770,000 | 0.7% | 0.0% |
| Arvest Bank | $760,000 | n/a | 0.0% | |
| Black Hills Community Bank | $760,000 | n/a | 0.0% | |
| AmRes Corporation | $860,000 | $755,000 | -12.2% | 0.0% |
| Prosperity Home Mortgage, LLC | $690,000 | $705,000 | 2.2% | 0.0% |
| LIMA ONE CAPITAL, LLC | $4,320,000 | $690,000 | -84.0% | 0.0% |
| CANVAS CREDIT UNION | $7,230,000 | $670,000 | -90.7% | 0.0% |
| DAS Acquisition Company, LLC | $550,000 | $670,000 | 21.8% | 0.0% |
| Bank of Utah | $1,610,000 | $665,000 | -58.7% | 0.0% |
| First Bank & Trust | $650,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $775,000 | $640,000 | -17.4% | 0.0% |
| UMB Bank | $640,000 | n/a | 0.0% | |
| Heritage Bank | $495,000 | $615,000 | 24.2% | 0.0% |
| IDAHO CENTRAL | $610,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $560,000 | $610,000 | 8.9% | 0.0% |
| Deere Employees Credit Union | $485,000 | $605,000 | 24.7% | 0.0% |
| First State Bank of St. Charles, Missouri | $580,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $710,000 | $580,000 | -18.3% | 0.0% |
| American Airlines Federal Credit Union | $570,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $2,485,000 | $570,000 | -77.1% | 0.0% |
| The Central Trust Bank | $865,000 | $560,000 | -35.3% | 0.0% |
| The Loan Store, Inc. | $560,000 | n/a | 0.0% | |
| Vantage Bank Texas | $555,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $540,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $1,085,000 | $535,000 | -50.7% | 0.0% |
| CHEVRON | $1,255,000 | $535,000 | -57.4% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $225,000 | $525,000 | 133.3% | 0.0% |
| Horizon Bank SSB | $525,000 | n/a | 0.0% | |
| The Richwood Banking Company | $525,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $515,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $2,985,000 | $510,000 | -82.9% | 0.0% |
| D. L. Evans Bank | $505,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $505,000 | n/a | 0.0% | |
| PREMIA MORTGAGE, LLC | $985,000 | $500,000 | -49.2% | 0.0% |
| Toyota Financial Savings Bank | $4,805,000 | $495,000 | -89.7% | 0.0% |
| TJC Mortgage, Inc. | $990,000 | $490,000 | -50.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $2,135,000 | $485,000 | -77.3% | 0.0% |
| Mid-Continent Funding, Inc. | $205,000 | $485,000 | 136.6% | 0.0% |
| Pinnacle Bank | $35,000 | $485,000 | 1,285.7% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $475,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $430,000 | $475,000 | 10.5% | 0.0% |
| Adams Bank & Trust | $5,825,000 | $470,000 | -91.9% | 0.0% |
| Sunflower Bank | $225,000 | $460,000 | 104.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $95,000 | $445,000 | 368.4% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $440,000 | n/a | 0.0% | |
| Citizens Bank | $800,000 | $435,000 | -45.6% | 0.0% |
| GOLDENWEST | $435,000 | n/a | 0.0% | |
| THOMPSON KANE & COMPANY, LLC | $435,000 | n/a | 0.0% | |
| BARTLETT MORTGAGE, INC. | $425,000 | n/a | 0.0% | |
| Bank of England | $2,455,000 | $420,000 | -82.9% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,090,000 | $420,000 | -61.5% | 0.0% |
| First State Bank | $415,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $2,005,000 | $415,000 | -79.3% | 0.0% |
| Frontier Bank | $295,000 | $405,000 | 37.3% | 0.0% |
| Western State Bank | $205,000 | $405,000 | 97.6% | 0.0% |
| Bank of the West | $18,755,000 | $390,000 | -97.9% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $690,000 | $385,000 | -44.2% | 0.0% |
| Texas Heritage National Bank | $385,000 | n/a | 0.0% | |
| Bell Bank | $735,000 | $375,000 | -49.0% | 0.0% |
| BNC National Bank | $1,095,000 | $375,000 | -65.8% | 0.0% |
| NP, Inc. | $375,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $365,000 | $375,000 | 2.7% | 0.0% |
| First National Bank of America | $385,000 | $370,000 | -3.9% | 0.0% |
| Commerce Bank | $365,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $295,000 | $355,000 | 20.3% | 0.0% |
| GROUP MORTGAGE, LLC | $1,235,000 | $355,000 | -71.3% | 0.0% |
| MANN FINANCIAL INC. | $1,980,000 | $355,000 | -82.1% | 0.0% |
| RCN Capital, LLC | $115,000 | $355,000 | 208.7% | 0.0% |
| Access Bank | $345,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $345,000 | n/a | 0.0% | |
| American Bank & Trust | $345,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $470,000 | $345,000 | -26.6% | 0.0% |
| Peoples Bank | $345,000 | n/a | 0.0% | |
| UTILITIES EMPLOYEES CREDIT UNION | $335,000 | n/a | 0.0% | |
| Wyndham Capital Mortgage, Inc. | $905,000 | $330,000 | -63.5% | 0.0% |
| NEST HOME LENDING, LLC | $365,000 | $325,000 | -11.0% | 0.0% |
| CHARTER WEST BANK | $315,000 | $315,000 | 0.0% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $2,520,000 | $310,000 | -87.7% | 0.0% |
| BTC BANK | $310,000 | n/a | 0.0% | |
| BankPlus | $205,000 | $305,000 | 48.8% | 0.0% |
| GTE Federal Credit Union | $305,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $1,335,000 | $295,000 | -77.9% | 0.0% |
| Chickasaw Community Bank | $295,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $285,000 | n/a | 0.0% | |
| The Paducah Bank and Trust Company | $285,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $275,000 | n/a | 0.0% | |
| Frontier Bank | $295,000 | $275,000 | -6.8% | 0.0% |
| DIRECT MORTGAGE, CORP. | $255,000 | n/a | 0.0% | |
| F&M Bank | $255,000 | n/a | 0.0% | |
| Security First Bank | $645,000 | $255,000 | -60.5% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $265,000 | $245,000 | -7.5% | 0.0% |
| Great Plains National Bank | $245,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $195,000 | $245,000 | 25.6% | 0.0% |
| Independent Bank | $9,200,000 | $235,000 | -97.4% | 0.0% |
| Willamette Valley Bank | $2,035,000 | $235,000 | -88.5% | 0.0% |
| AmeriHome Mortgage Company, LLC | $195,000 | $225,000 | 15.4% | 0.0% |
| WESCOM CENTRAL CREDIT UNION | $225,000 | n/a | 0.0% | |
| Bank of Idaho | $345,000 | $205,000 | -40.6% | 0.0% |
| First FarmBank | $205,000 | n/a | 0.0% | |
| TrustBank | $205,000 | n/a | 0.0% | |
| PERFORMANCE EQUITY PARTNERS, INC. | $580,000 | $190,000 | -67.2% | 0.0% |
| Capital Bank | $185,000 | n/a | 0.0% | |
| IAA Credit Union | $185,000 | n/a | 0.0% | |
| American Bank Center | $175,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $1,140,000 | $175,000 | -84.6% | 0.0% |
| CALIBER HOME LOANS, INC. | $19,020,000 | $165,000 | -99.1% | 0.0% |
| GREENSTATE CREDIT UNION | $165,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $920,000 | $160,000 | -82.6% | 0.0% |
| CANOPY MORTGAGE, LLC | $795,000 | $155,000 | -80.5% | 0.0% |
| German American State Bank | $155,000 | n/a | 0.0% | |
| Utah Mortgage Loan Corporation | $1,060,000 | $155,000 | -85.4% | 0.0% |
| Ameris Bank | $145,000 | n/a | 0.0% | |
| Centennial Bank | $485,000 | $145,000 | -70.1% | 0.0% |
| First Western Bank & Trust | $145,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $235,000 | $145,000 | -38.3% | 0.0% |
| The Peoples State Bank of Newton, Illinois | $145,000 | n/a | 0.0% | |
| Central Bank | $135,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $375,000 | $125,000 | -66.7% | 0.0% |
| THRIVENT Federal Credit Union | $125,000 | n/a | 0.0% | |
| AMERICAN UNITED FAMILY OF CREDIT UN | $120,000 | n/a | 0.0% | |
| CORTRUST MORTGAGE, INC. | $115,000 | n/a | 0.0% | |
| GRANITE FEDERAL CREDIT UNION | $535,000 | $115,000 | -78.5% | 0.0% |
| Leader Bank | $115,000 | n/a | 0.0% | |
| ADVANCIAL | $105,000 | n/a | 0.0% | |
| MY MOVE MORTGAGE, LLC | $105,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $220,000 | $105,000 | -52.3% | 0.0% |
| VALOR BANK | $105,000 | n/a | 0.0% | |
| Baxter Credit Union | $95,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| Nicolet National Bank | $185,000 | $95,000 | -48.6% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,770,000 | $95,000 | -96.6% | 0.0% |
| ASHLAND Credit Union | $300,000 | $85,000 | -71.7% | 0.0% |
| Financial Funding Solutions, Inc. | $205,000 | $85,000 | -58.5% | 0.0% |
| Wasatch Peaks Federal Credit Union | $145,000 | $75,000 | -48.3% | 0.0% |
| Altana Federal Credit Union | $115,000 | $65,000 | -43.5% | 0.0% |
| First Western Federal Savings Bank | $65,000 | n/a | 0.0% | |
| FOUR POINTS | $155,000 | $55,000 | -64.5% | 0.0% |
| Signature Federal Credit Union | $55,000 | n/a | 0.0% | |
| United States Senate Federal Credit Union | $45,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $50,000 | $25,000 | -50.0% | 0.0% |
Wyoming's top lender by overall market share is QUICKEN LOANS, LLC, with 5.8% market share. In second place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $129,720,000 in loans. In third place, with 4.0%, is Jonah Bank of Wyoming, having originated $105,925,000 in loans. In fourth place, with 3.9%, is First Interstate Bank, having originated $103,670,000 in loans. In fifth place, with 3.6%, is Wallick & Volk, Inc., having originated $95,780,000 in loans.
Wyoming Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 6,327 | $1,984,935,000 | $313,725 |
| Cash Out Refi | 1,168 | $275,620,000 | $235,976 |
| Other | 922 | $133,080,000 | $144,338 |
| Home Improvement | 682 | $64,750,000 | $94,941 |
| Refi | 637 | $196,605,000 | $308,642 |
Wyoming's most frequently cited loan purpose was Home Purchase, with 6,327 originations. The 2nd most popular reason was Cash Out Refi, with 1,168 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,119 | $956,865,000 | $306,786 |
| 5-6% | 2,107 | $676,135,000 | $320,899 |
| 7-8% | 1,773 | $536,635,000 | $302,671 |
| Over 8% | 1,370 | $212,050,000 | $154,781 |
| <2.5% | 496 | $20,620,000 | $41,573 |
| 4-5% | 154 | $81,210,000 | $527,338 |
| 2.5-3% | 32 | $5,280,000 | $165,000 |
| 3-4% | 19 | $7,965,000 | $419,211 |
During 2023, Wyoming's most frequently originated rate bucket was 6-7%, with 3,119 originations.
Loan Sizing (Wyoming MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 3,894 | $1,111,450,000 | $285,426 |
| $100,000 or less | 2,389 | $111,795,000 | $46,796 |
| $100k-200k | 2,049 | $308,725,000 | $150,671 |
| $400k-600k | 958 | $452,710,000 | $472,557 |
| $600k-1000k | 269 | $193,265,000 | $718,457 |
| $Over $1MM | 177 | $477,045,000 | $2,695,169 |
Wyoming's loan sizing saw the bucket of loans from $200k-400k with 3,894 originations, totaling $1,111,450,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,622 | $1,106,410,000 | $305,469 |
| Under 20% | 1,760 | $114,770,000 | $65,210 |
| 60-80% | 1,732 | $700,860,000 | $404,654 |
| 20-40% | 949 | $192,335,000 | $202,671 |
| 40-60% | 789 | $322,945,000 | $409,309 |
| Over 100% | 170 | $62,270,000 | $366,294 |
Wyoming's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,622 originations, totaling $1,106,410,000 in origination value.