Wyoming Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Wyoming averaged
6.87%
for the week of 2025-04-10, compared to the national average of
6.62% for the same period.
The average rate for the prior week (2025-04-03) was
6.89% and
one month ago for the week of 2025-03-06, the
average rate was 6.78%.
Wyoming's average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-04-10, the average rate
was 6.98%.
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 212 lenders originated 11,269
loans during 2024. The total origination value was $3,196,835,000, with an average loan value of
$283,684.
Wyoming's average closing costs are $5,852.
The top Wyoming lender as defined by loan originations is QUICKEN LOANS, LLC, with
392 loans originated. Their average total fees are
$7,220, which is $427
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Wyoming lenders (with over 10 loans originated) are
ANB Bank ($2,596), First Interstate Bank ($4,013), NAVY FEDERAL CREDIT UNION ($4,296), West Gate Bank ($4,505) and Pinnacle Bank - Wyoming ($4,615).
The lowest rate Wyoming lenders (with over 10 loans originated) are
Morgan Stanley Private Bank (5.89%), Blue Federal Credit Union (6.10%), ANB Bank (6.22%), NAVY FEDERAL CREDIT UNION (6.25%) and Zions Bank (6.35%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $154,580,000 | $223,630,000 | 44.7% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $129,720,000 | $207,555,000 | 60.0% | 6.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $87,185,000 | $170,455,000 | 95.5% | 5.3% |
| GUILD MORTGAGE COMPANY | $91,535,000 | $155,180,000 | 69.5% | 4.9% |
| Jonah Bank of Wyoming | $105,925,000 | $120,995,000 | 14.2% | 3.8% |
| Glacier Bank | $91,505,000 | $117,410,000 | 28.3% | 3.7% |
| Wallick & Volk, Inc. | $95,780,000 | $81,295,000 | -15.1% | 2.5% |
| JPMorgan Chase Bank | $58,915,000 | $78,290,000 | 32.9% | 2.4% |
| Mortgage Research Center, LLC | $59,820,000 | $70,050,000 | 17.1% | 2.2% |
| U.S. Bank | $47,435,000 | $69,450,000 | 46.4% | 2.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $54,605,000 | $67,850,000 | 24.3% | 2.1% |
| Pinnacle Bank - Wyoming | $66,380,000 | $62,150,000 | -6.4% | 1.9% |
| Hilltop National Bank | $26,445,000 | $60,230,000 | 127.8% | 1.9% |
| BAY EQUITY LLC | $40,870,000 | $50,105,000 | 22.6% | 1.6% |
| First Western Trust Bank | $21,435,000 | $50,080,000 | 133.6% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $9,975,000 | $43,655,000 | 337.6% | 1.4% |
| Century Mortgage Company DBA Century Lending Company | $3,090,000 | $42,045,000 | 1,260.7% | 1.3% |
| WESTERN VISTA | $10,595,000 | $41,330,000 | 290.1% | 1.3% |
| CMG MORTGAGE, INC. | $36,375,000 | $41,315,000 | 13.6% | 1.3% |
| NBH Bank | $36,130,000 | $40,740,000 | 12.8% | 1.3% |
| First Interstate Bank | $103,670,000 | $40,015,000 | -61.4% | 1.3% |
| Zions Bank | $23,265,000 | $39,960,000 | 71.8% | 1.2% |
| Morgan Stanley Private Bank | $22,420,000 | $39,845,000 | 77.7% | 1.2% |
| Wyoming Bank & Trust | $32,110,000 | $37,735,000 | 17.5% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $31,770,000 | $32,830,000 | 3.3% | 1.0% |
| Platte Valley Bank | $35,365,000 | $31,685,000 | -10.4% | 1.0% |
| Bank of America | $17,105,000 | $31,415,000 | 83.7% | 1.0% |
| GUARANTEED RATE, INC. | $10,700,000 | $27,480,000 | 156.8% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $12,840,000 | $26,880,000 | 109.3% | 0.8% |
| Servion, Inc. | $5,645,000 | $26,775,000 | 374.3% | 0.8% |
| BMO Harris Bank | $9,215,000 | $26,335,000 | 185.8% | 0.8% |
| NEWREZ LLC | $13,190,000 | $23,100,000 | 75.1% | 0.7% |
| USAA Federal Savings Bank | $13,610,000 | $22,480,000 | 65.2% | 0.7% |
| PNC Bank | $14,070,000 | $22,470,000 | 59.7% | 0.7% |
| Plains Commerce Bank | $14,855,000 | $22,275,000 | 49.9% | 0.7% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $21,850,000 | n/a | 0.7% | |
| Meridian Trust Federal Credit Union | $30,395,000 | $21,815,000 | -28.2% | 0.7% |
| Wells Fargo Bank | $38,590,000 | $21,450,000 | -44.4% | 0.7% |
| LOANDEPOT.COM, LLC | $12,465,000 | $21,255,000 | 70.5% | 0.7% |
| ANB Bank | $17,130,000 | $21,170,000 | 23.6% | 0.7% |
| Blue Federal Credit Union | $24,465,000 | $21,035,000 | -14.0% | 0.7% |
| WYHY | $8,540,000 | $20,685,000 | 142.2% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $16,080,000 | $20,140,000 | 25.2% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $7,935,000 | $18,255,000 | 130.1% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $19,005,000 | $18,240,000 | -4.0% | 0.6% |
| Goldman Sachs Bank USA | $10,015,000 | $16,455,000 | 64.3% | 0.5% |
| Charles Schwab Bank, SSB | $20,445,000 | $16,010,000 | -21.7% | 0.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $28,670,000 | $13,670,000 | -52.3% | 0.4% |
| Flagstar Bank, FSB | $10,285,000 | $13,415,000 | 30.4% | 0.4% |
| First National Bank of Omaha | $13,685,000 | $13,315,000 | -2.7% | 0.4% |
| BROKER SOLUTIONS, INC. | $13,205,000 | $13,135,000 | -0.5% | 0.4% |
| AXIA FINANCIAL, LLC | $14,145,000 | $12,415,000 | -12.2% | 0.4% |
| CENTENNIAL LENDING, LLC | $5,705,000 | $11,760,000 | 106.1% | 0.4% |
| Farm Credit Mid-America, ACA | $9,795,000 | $11,485,000 | 17.3% | 0.4% |
| PLANET HOME LENDING, LLC | $3,185,000 | $11,055,000 | 247.1% | 0.3% |
| West Gate Bank | $8,660,000 | $10,690,000 | 23.4% | 0.3% |
| AMERICAN FINANCING CORPORATION | $3,930,000 | $10,015,000 | 154.8% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $3,185,000 | $9,705,000 | 204.7% | 0.3% |
| PLAZA HOME MORTGAGE, INC. | $870,000 | $9,605,000 | 1,004.0% | 0.3% |
| Citibank | $11,705,000 | $9,175,000 | -21.6% | 0.3% |
| HIGHMARK | $6,255,000 | $9,090,000 | 45.3% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $8,720,000 | $8,815,000 | 1.1% | 0.3% |
| The Federal Savings Bank | $5,830,000 | $7,855,000 | 34.7% | 0.2% |
| The Huntington National Bank | $5,565,000 | $7,765,000 | 39.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,615,000 | $7,720,000 | 378.0% | 0.2% |
| BNY Mellon | $1,210,000 | $7,455,000 | 516.1% | 0.2% |
| Armed Forces Bank | $1,260,000 | $7,425,000 | 489.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $5,710,000 | $7,380,000 | 29.2% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $6,305,000 | $7,305,000 | 15.9% | 0.2% |
| Figure Lending LLC | $3,695,000 | $7,215,000 | 95.3% | 0.2% |
| Little Horn State Bank | $7,150,000 | n/a | 0.2% | |
| Fifth Third Bank | $7,140,000 | n/a | 0.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $6,430,000 | $6,980,000 | 8.6% | 0.2% |
| UNION HOME MORTGAGE CORP. | $2,695,000 | $6,655,000 | 146.9% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $6,220,000 | $6,590,000 | 5.9% | 0.2% |
| The First, A National Banking Association | $6,505,000 | n/a | 0.2% | |
| CORNERSTONE HOME LENDING, INC. | $15,975,000 | $6,425,000 | -59.8% | 0.2% |
| MOUNTAIN AMERICA | $4,560,000 | $6,405,000 | 40.5% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,145,000 | $6,305,000 | 450.7% | 0.2% |
| Discover Bank | $4,295,000 | $6,140,000 | 43.0% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $4,055,000 | $6,075,000 | 49.8% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $12,135,000 | $5,990,000 | -50.6% | 0.2% |
| Equity Prime Mortgage LLC | $1,615,000 | $5,960,000 | 269.0% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $4,365,000 | $5,690,000 | 30.4% | 0.2% |
| Dollar Bank, Federal Savings Bank | $13,170,000 | $5,685,000 | -56.8% | 0.2% |
| Carrington Mortgage Services, LLC | $4,040,000 | $5,635,000 | 39.5% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $3,610,000 | $5,385,000 | 49.2% | 0.2% |
| The Loan Store, Inc. | $560,000 | $5,260,000 | 839.3% | 0.2% |
| ADVANCIAL | $105,000 | $5,175,000 | 4,828.6% | 0.2% |
| The Northern Trust Company | $6,020,000 | $4,905,000 | -18.5% | 0.2% |
| Flanagan State Bank | $7,680,000 | $4,800,000 | -37.5% | 0.2% |
| PHH Mortgage Corporation | $415,000 | $4,600,000 | 1,008.4% | 0.1% |
| BETTER MORTGAGE CORPORATION | $2,375,000 | $4,360,000 | 83.6% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $4,255,000 | n/a | 0.1% | |
| NBKC BANK | $3,310,000 | $4,200,000 | 26.9% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $4,140,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $3,500,000 | $4,035,000 | 15.3% | 0.1% |
| NEXERA HOLDING LLC | $2,030,000 | $4,010,000 | 97.5% | 0.1% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $2,525,000 | $4,005,000 | 58.6% | 0.1% |
| FirsTier Bank | $9,055,000 | $3,965,000 | -56.2% | 0.1% |
| Gateway First Bank | $28,650,000 | $3,905,000 | -86.4% | 0.1% |
| First Education Federal Credit Union | $2,395,000 | $3,885,000 | 62.2% | 0.1% |
| Stifel Bank and Trust | $2,455,000 | $3,800,000 | 54.8% | 0.1% |
| Raymond James Bank | $7,770,000 | $3,705,000 | -52.3% | 0.1% |
| ON Q FINANCIAL, INC. | $8,805,000 | $3,690,000 | -58.1% | 0.1% |
| ALLIANT CREDIT UNION | $345,000 | $3,635,000 | 953.6% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,425,000 | $3,515,000 | 146.7% | 0.1% |
| Bank of Colorado | $1,320,000 | $3,510,000 | 165.9% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,415,000 | $3,505,000 | 2.6% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,240,000 | $3,455,000 | 178.6% | 0.1% |
| Central Bank & Trust | $8,220,000 | $3,255,000 | -60.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $6,830,000 | $3,165,000 | -53.7% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $2,945,000 | $3,125,000 | 6.1% | 0.1% |
| First Federal Bank | $975,000 | $3,115,000 | 219.5% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $5,665,000 | $3,100,000 | -45.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $3,065,000 | $2,805,000 | -8.5% | 0.1% |
| Ixonia Bank | $2,215,000 | $2,785,000 | 25.7% | 0.1% |
| Commerce Home Mortgage, Inc. | $6,410,000 | $2,780,000 | -56.6% | 0.1% |
| NuVision Federal Credit Union | $4,865,000 | $2,760,000 | -43.3% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $4,395,000 | $2,750,000 | -37.4% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $2,730,000 | n/a | 0.1% | |
| GREYSTONE SERVICING COMPANY LLC | $14,475,000 | $2,615,000 | -81.9% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,910,000 | $2,610,000 | -33.2% | 0.1% |
| ARC HOME LLC | $2,460,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $3,005,000 | $2,450,000 | -18.5% | 0.1% |
| VALLEY FINANCIAL CREDIT UNION | $1,870,000 | $2,380,000 | 27.3% | 0.1% |
| Heritage Bank | $615,000 | $2,330,000 | 278.9% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,195,000 | $2,240,000 | -29.9% | 0.1% |
| ADVANTAGE PLUS | $2,705,000 | $2,230,000 | -17.6% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $2,225,000 | n/a | 0.1% | |
| Ally Bank | $1,635,000 | $2,155,000 | 31.8% | 0.1% |
| T2 FINANCIAL LLC | $580,000 | $2,145,000 | 269.8% | 0.1% |
| Northpointe Bank | $1,820,000 | $2,125,000 | 16.8% | 0.1% |
| Coastal Community Bank | $1,865,000 | $2,090,000 | 12.1% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $2,640,000 | $2,010,000 | -23.9% | 0.1% |
| Magnolia Bank | $1,250,000 | $1,995,000 | 59.6% | 0.1% |
| VERITAS FUNDING, LLC | $1,020,000 | $1,985,000 | 94.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,710,000 | $1,975,000 | 15.5% | 0.1% |
| NFM, INC. | $1,970,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,360,000 | $1,935,000 | 42.3% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $420,000 | $1,930,000 | 359.5% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,075,000 | $1,875,000 | 74.4% | 0.1% |
| CITIZENS EQUITY FIRST | $345,000 | $1,870,000 | 442.0% | 0.1% |
| ANCHOR LOANS, LP | $1,710,000 | n/a | 0.1% | |
| BELEM SERVICING LLC | $1,695,000 | n/a | 0.1% | |
| Utah Power | $3,500,000 | $1,695,000 | -51.6% | 0.1% |
| PREMIA MORTGAGE, LLC | $500,000 | $1,660,000 | 232.0% | 0.1% |
| FUNDLOANS CAPITAL | $2,020,000 | $1,655,000 | -18.1% | 0.1% |
| M&T Bank | $1,155,000 | $1,605,000 | 39.0% | 0.1% |
| BOKF | $2,930,000 | $1,575,000 | -46.2% | 0.0% |
| SUMMIT FUNDING, INC. | $570,000 | $1,540,000 | 170.2% | 0.0% |
| LADERA LENDING, INC. | $1,530,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $2,140,000 | $1,485,000 | -30.6% | 0.0% |
| AmeriHome Mortgage Company, LLC | $225,000 | $1,470,000 | 553.3% | 0.0% |
| OPEN MORTGAGE, LLC | $2,020,000 | $1,470,000 | -27.2% | 0.0% |
| Truist | $3,545,000 | $1,460,000 | -58.8% | 0.0% |
| Peak Financial | $875,000 | $1,445,000 | 65.1% | 0.0% |
| NEW WEST LENDING, INC. | $1,395,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $3,555,000 | $1,360,000 | -61.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,005,000 | $1,345,000 | 33.8% | 0.0% |
| S1L, Inc. | $770,000 | $1,300,000 | 68.8% | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | $1,265,000 | n/a | 0.0% | |
| Axos Bank | $2,805,000 | $1,220,000 | -56.5% | 0.0% |
| Citizens Bank | $435,000 | $1,220,000 | 180.5% | 0.0% |
| North American Savings Bank, F.S.B. | $1,645,000 | $1,195,000 | -27.4% | 0.0% |
| Nations Lending Corporation | $1,305,000 | $1,190,000 | -8.8% | 0.0% |
| Points West Community Bank | $1,800,000 | $1,165,000 | -35.3% | 0.0% |
| Cache Valley Bank | $925,000 | $1,160,000 | 25.4% | 0.0% |
| Northwest Farm Credit Services, FLCA | $3,680,000 | $1,135,000 | -69.2% | 0.0% |
| TOWNE MORTGAGE COMPANY | $2,890,000 | $1,120,000 | -61.2% | 0.0% |
| UBS Bank USA | $20,155,000 | $1,080,000 | -94.6% | 0.0% |
| GOLDENWEST | $435,000 | $1,065,000 | 144.8% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $815,000 | $1,040,000 | 27.6% | 0.0% |
| The Union Bank Company | $1,035,000 | n/a | 0.0% | |
| The Yellowstone Bank | $1,015,000 | n/a | 0.0% | |
| South State Bank | $1,005,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $490,000 | $995,000 | 103.1% | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | $980,000 | $970,000 | -1.0% | 0.0% |
| IDAHO CENTRAL | $610,000 | $960,000 | 57.4% | 0.0% |
| Paramount Bank | $950,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $475,000 | $945,000 | 98.9% | 0.0% |
| BEEHIVE | $920,000 | n/a | 0.0% | |
| Black Hills Community Bank | $760,000 | $920,000 | 21.1% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,180,000 | $900,000 | -23.7% | 0.0% |
| NexBank | $900,000 | n/a | 0.0% | |
| Stockman Bank of Montana | $895,000 | n/a | 0.0% | |
| Bell Bank | $375,000 | $880,000 | 134.7% | 0.0% |
| OCMBC, INC. | $880,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $310,000 | $870,000 | 180.6% | 0.0% |
| Texana Bank | $855,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $850,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $3,525,000 | $840,000 | -76.2% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $2,585,000 | $830,000 | -67.9% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $980,000 | $785,000 | -19.9% | 0.0% |
| MY MOVE MORTGAGE, LLC | $105,000 | $765,000 | 628.6% | 0.0% |
| Pinnacle Bank | $485,000 | $765,000 | 57.7% | 0.0% |
| Bank Forward | $745,000 | n/a | 0.0% | |
| First Savings Bank | $740,000 | n/a | 0.0% | |
| Commerce Bank | $365,000 | $730,000 | 100.0% | 0.0% |
| LEADERONE FINANCIAL CORPORATION | $475,000 | $730,000 | 53.7% | 0.0% |
| First National Bank of North Arkansas | $725,000 | n/a | 0.0% | |
| First National Bank of America | $370,000 | $720,000 | 94.6% | 0.0% |
| Bremer Bank | $715,000 | n/a | 0.0% | |
| SOUTHWEST STAGE FUNDING, LLC | $695,000 | n/a | 0.0% | |
| Old National Bank | $5,785,000 | $690,000 | -88.1% | 0.0% |
| BANKWEST, INC. | $1,240,000 | $685,000 | -44.8% | 0.0% |
| RCN Capital, LLC | $355,000 | $680,000 | 91.5% | 0.0% |
| Bank of England | $420,000 | $670,000 | 59.5% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $660,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $650,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $640,000 | n/a | 0.0% | |
| TOWN AND COUNTRY Credit Union | $635,000 | n/a | 0.0% | |
| TrailWest Bank | $1,765,000 | $630,000 | -64.3% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $2,630,000 | $620,000 | -76.4% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $1,030,000 | $615,000 | -40.3% | 0.0% |
| First Bank & Trust | $650,000 | $610,000 | -6.2% | 0.0% |
| KeyBank | $1,915,000 | $610,000 | -68.1% | 0.0% |
| SPRING EQ, LLC | $605,000 | n/a | 0.0% | |
| Financial Funding Solutions, Inc. | $85,000 | $580,000 | 582.4% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $160,000 | $560,000 | 250.0% | 0.0% |
| Independent Bank | $235,000 | $550,000 | 134.0% | 0.0% |
| Starion Bank | $545,000 | n/a | 0.0% | |
| UMB Bank | $640,000 | $540,000 | -15.6% | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $535,000 | n/a | 0.0% | |
| Kish Bank | $525,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $525,000 | n/a | 0.0% | |
| HomeTrust Bank | $520,000 | n/a | 0.0% | |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | $515,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $510,000 | n/a | 0.0% | |
| First State Bank of St. Charles, Missouri | $580,000 | $510,000 | -12.1% | 0.0% |
| TENNESSEE VALLEY | $505,000 | n/a | 0.0% | |
| City National Bank | $2,645,000 | $495,000 | -81.3% | 0.0% |
| Inwood National Bank | $495,000 | n/a | 0.0% | |
| Choice Financial Group | $485,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $355,000 | $485,000 | 36.6% | 0.0% |
| CHEVRON | $535,000 | $475,000 | -11.2% | 0.0% |
| Ameris Bank | $145,000 | $465,000 | 220.7% | 0.0% |
| Frandsen Bank & Trust | $465,000 | n/a | 0.0% | |
| F&A Federal Credit Union | $455,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $455,000 | n/a | 0.0% | |
| GROUP MORTGAGE, LLC | $355,000 | $445,000 | 25.4% | 0.0% |
| SWBC MORTGAGE CORPORATION | $445,000 | n/a | 0.0% | |
| Alpine Bank | $435,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $415,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $415,000 | n/a | 0.0% | |
| First International Bank & Trust | $1,305,000 | $410,000 | -68.6% | 0.0% |
| First Merchants Bank | $3,005,000 | $405,000 | -86.5% | 0.0% |
| KINECTA | $405,000 | n/a | 0.0% | |
| Patriot Bank | $405,000 | n/a | 0.0% | |
| Willamette Valley Bank | $235,000 | $395,000 | 68.1% | 0.0% |
| Granite Community Bank | $385,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $385,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $165,000 | $380,000 | 130.3% | 0.0% |
| American Airlines Federal Credit Union | $570,000 | $375,000 | -34.2% | 0.0% |
| ASHLAND Credit Union | $85,000 | $375,000 | 341.2% | 0.0% |
| Gate City Bank | $375,000 | n/a | 0.0% | |
| American Bank & Trust | $345,000 | $355,000 | 2.9% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $355,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $815,000 | $350,000 | -57.1% | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | $350,000 | n/a | 0.0% | |
| Network Funding, L.P. | $345,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $335,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $335,000 | n/a | 0.0% | |
| River Bank & Trust | $335,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $325,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $1,210,000 | $325,000 | -73.1% | 0.0% |
| GoPrime Mortgage, Inc. | $325,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $325,000 | n/a | 0.0% | |
| IDAHO STATE UNIVERSITY | $325,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $155,000 | $320,000 | 106.5% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $315,000 | n/a | 0.0% | |
| Brighton Bank | $305,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $445,000 | $305,000 | -31.5% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $280,000 | n/a | 0.0% | |
| Pioneer Bank & Trust | $1,305,000 | $280,000 | -78.5% | 0.0% |
| DIRECT MORTGAGE, CORP. | $255,000 | $275,000 | 7.8% | 0.0% |
| UTAH FIRST | $260,000 | n/a | 0.0% | |
| Bank of Utah | $665,000 | $255,000 | -61.7% | 0.0% |
| Connexus Credit Union | $95,000 | $255,000 | 168.4% | 0.0% |
| EVANSVILLE TEACHERS | $255,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $255,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $485,000 | $255,000 | -47.4% | 0.0% |
| Security Bank, s.b. | $255,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $245,000 | n/a | 0.0% | |
| F & M Bank | $245,000 | n/a | 0.0% | |
| Stockmens Bank | $245,000 | n/a | 0.0% | |
| The Dart Bank | $245,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $510,000 | $245,000 | -52.0% | 0.0% |
| AIR ACADEMY | $235,000 | n/a | 0.0% | |
| Pinnacle Bank | $485,000 | $235,000 | -51.5% | 0.0% |
| RESIDENTIAL BANCORP | $235,000 | n/a | 0.0% | |
| Utah Mortgage Loan Corporation | $155,000 | $235,000 | 51.6% | 0.0% |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $225,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $225,000 | n/a | 0.0% | |
| Sunflower Bank | $460,000 | $225,000 | -51.1% | 0.0% |
| Altana Federal Credit Union | $65,000 | $220,000 | 238.5% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| Eagle Bank and Trust Company | $855,000 | $205,000 | -76.0% | 0.0% |
| NASA Federal Credit Union | $195,000 | n/a | 0.0% | |
| CNB Bank And Trust, N.A. | $185,000 | n/a | 0.0% | |
| The Camden National Bank | $175,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $175,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $5,560,000 | $145,000 | -97.4% | 0.0% |
| FirstBank | $1,295,000 | $135,000 | -89.6% | 0.0% |
| GTE Federal Credit Union | $305,000 | $130,000 | -57.4% | 0.0% |
| PERFORMANCE EQUITY PARTNERS, INC. | $190,000 | $130,000 | -31.6% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $145,000 | $125,000 | -13.8% | 0.0% |
| TOGETHER CREDIT UNION | $125,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $115,000 | 360.0% | 0.0% |
| Lincoln FSB of Nebraska | $115,000 | n/a | 0.0% | |
| Stride Bank | $6,375,000 | $95,000 | -98.5% | 0.0% |
| Notre Dame Federal Credit Union Corporation | $75,000 | n/a | 0.0% | |
| DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| First National Bank | $1,140,000 | $65,000 | -94.3% | 0.0% |
| Centier Bank | $50,000 | n/a | 0.0% | |
| Deseret First Credit Union | $790,000 | $45,000 | -94.3% | 0.0% |
| Deere Employees Credit Union | $605,000 | $40,000 | -93.4% | 0.0% |
Wyoming's top lender by overall market share is QUICKEN LOANS, LLC, with 7.0% market share. In second place, with 6.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $207,555,000 in loans. In third place, with 5.3%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $170,455,000 in loans. In fourth place, with 4.9%, is GUILD MORTGAGE COMPANY, having originated $155,180,000 in loans. In fifth place, with 3.8%, is Jonah Bank of Wyoming, having originated $120,995,000 in loans.
Wyoming Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 6,663 | $2,164,835,000 | $324,904 |
| Cash Out Refi | 1,619 | $380,775,000 | $235,191 |
| Refi | 1,121 | $418,815,000 | $373,608 |
| Other | 1,005 | $150,845,000 | $150,095 |
| Home Improvement | 860 | $81,450,000 | $94,709 |
| NA | 1 | $115,000 | $115,000 |
Wyoming's most frequently cited loan purpose was Home Purchase, with 6,663 originations. The 2nd most popular reason was Cash Out Refi, with 1,619 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 4,441 | $1,434,545,000 | $323,023 |
| Over 8% | 2,007 | $249,215,000 | $124,173 |
| 7-8% | 1,855 | $534,685,000 | $288,240 |
| 5-6% | 1,811 | $718,275,000 | $396,618 |
| <2.5% | 325 | $10,055,000 | $30,938 |
| 4-5% | 102 | $40,380,000 | $395,882 |
| 2.5-3% | 23 | $6,465,000 | $281,087 |
| 3-4% | 16 | $6,430,000 | $401,875 |
During 2024, Wyoming's most frequently originated rate bucket was 6-7%, with 4,441 originations.
Loan Sizing (Wyoming MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 4,656 | $1,338,090,000 | $287,390 |
| $100,000 or less | 2,704 | $131,610,000 | $48,672 |
| $100k-200k | 2,004 | $302,000,000 | $150,699 |
| $400k-600k | 1,303 | $617,095,000 | $473,596 |
| $600k-1000k | 419 | $301,755,000 | $720,179 |
| $Over $1MM | 183 | $506,285,000 | $2,766,585 |
Wyoming's loan sizing saw the bucket of loans from $200k-400k with 4,656 originations, totaling $1,338,090,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,178 | $1,401,720,000 | $335,500 |
| Under 20% | 1,979 | $108,025,000 | $54,586 |
| 60-80% | 1,948 | $810,330,000 | $415,980 |
| 20-40% | 1,127 | $201,235,000 | $178,558 |
| 40-60% | 912 | $321,560,000 | $352,588 |
| Over 100% | 251 | $95,375,000 | $379,980 |
Wyoming's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,178 originations, totaling $1,401,720,000 in origination value.