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 6.74% for the week of 2024-11-27, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2024-11-21) was 6.97% and one month ago for the week of 2024-10-24, the average rate was 6.67%.

Wyoming's average rate one year ago was 7.32%.

For refis of the same type during the week of 2024-11-27, the average rate was 6.94%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-27 6.81%
Wyoming 30 Year Fixed Rate 2024-11-27 6.74%
Wyoming 30 Year Fixed Rate Refi 2024-11-27 6.94%
Wyoming 15 Year Fixed Rate 2024-11-27 6.2%
Wyoming 15 Year Fixed Rate Refi 2024-11-27 6.6%
Wyoming 30 Year FHA 2024-11-27 -0.36%
Wyoming 30 Year FHA Refi 2024-11-27 -0.2%
Wyoming 30 Year USDA 2024-11-27 -0.44%
Wyoming 30 Year USDA Refi 2024-11-27 -0.1%
Wyoming 30 Year VA 2024-11-27 0.07%
Wyoming 30 Year VA Refi 2024-11-27 -0.1%
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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 288 6.67% $7,409
Jonah Bank of Wyoming 176 6.42% $5,649
UNITED WHOLESALE MORTGAGE, LLC 174 6.79% $6,369
GUILD MORTGAGE COMPANY 125 6.92% $6,063
Glacier Bank 121 6.91% $6,001
First Interstate Bank 117 6.41% $6,049
Pinnacle Bank - Wyoming 95 7.04% $4,833
Wallick & Volk, Inc. 95 6.85% $7,878
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 94 7.07% $7,608
CMG MORTGAGE, INC. 70 6.71% $4,814
Wells Fargo Bank 65 6.50% $6,817
Gateway First Bank 64 6.49% $5,737
U.S. Bank 62 6.77% $5,083
CROSSCOUNTRY MORTGAGE, LLC 60 6.80% $8,349
BAY EQUITY LLC 48 6.67% $5,934
AMERICAN PACIFIC MORTGAGE CORPORATION 45 6.85% $6,684
JPMorgan Chase Bank 34 6.53% $6,012
ANB Bank 34 6.20% $1,363
Blue Federal Credit Union 32 6.92% $6,041
PRIMARY RESIDENTIAL MORTGAGE, INC. 31 6.72% $7,868
Flagstar Bank, FSB 27 6.66% $5,706
First National Bank of Omaha 25 6.91% $4,418
Plains Commerce Bank 25 7.11% $6,045
First Western Trust Bank 25 6.38% $6,880
Meridian Trust Federal Credit Union 24 6.61% $4,480
Unify Home Lending Inc. 24 6.34% $4,130
West Gate Bank 24 6.70% $4,248
MOVEMENT MORTGAGE, LLC 23 6.73% $7,810
AXIA FINANCIAL, LLC 23 6.75% $6,182
Colonial Savings, F.A. 21 6.26% $5,947
Mr. Cooper ( Nationstar Mortgage ) 20 7.01% $10,095
Farm Credit Mid-America, ACA 20 7.05% $7,289
GUARANTEED RATE, INC. 20 6.65% $5,011
Servion, Inc. 18 6.97% $5,041
NBH Bank 18 6.94% $4,983
BROKER SOLUTIONS, INC. 17 6.94% $6,505
BMO Harris Bank 17 6.60% $4,961
NAVY FEDERAL CREDIT UNION 16 6.16% $4,525
ACADEMY MORTGAGE CORPORATION 16 7.09% $7,480
CORNERSTONE HOME LENDING, INC. 16 6.56% $10,105
MUTUAL OF OMAHA MORTGAGE, INC. 15 6.44% $7,845
ON Q FINANCIAL, INC. 15 6.84% $8,702
Morgan Stanley Private Bank 14 5.77% $5,924
Zions Bank 14 6.04% $5,847
CRESCENT MORTGAGE COMPANY 13 7.25% $5,803
USAA Federal Savings Bank 13 6.55% $6,835
FREEDOM MORTGAGE CORPORATION 12 7.22% $9,599
NEWREZ LLC 12 6.99% $5,788
PRIMELENDING, A PLAINSCAPITAL COMPANY 12 6.88% $5,075
First Republic Bank 10 4.71% $4,714
TRIAD FINANCIAL SERVICES, INC. 10 8.60% $5,761
AMERISAVE MORTGAGE CORPORATION 10 6.52% $10,203
LOANDEPOT.COM, LLC 10 6.68% $8,096
CARDINAL FINANCIAL 10 6.66% $8,416
Paramount Residential Mortgage Group, Inc. 9 7.58% $6,750
PNC Bank 9 6.51% $6,082
Utah Power 9 5.74% $4,744
American Mortgage & Equity Consultants, Inc. 8 6.61% $8,366
The Huntington National Bank 8 7.27% $9,498
MID AMERICA MORTGAGE, INC. 7 6.29% $10,417
Charles Schwab Bank, SSB 7 5.51% $5,922
UBS Bank USA 7 6.25% $9,686
INTERCAP LENDING INC. 7 6.89% $9,450
CHURCHILL MORTGAGE CORPORATION 7 7.05% $4,759
CHERRY CREEK MORTGAGE, LLC 7 6.57% $1,228
Mortgage Research Center, LLC 7 6.79% $4,351
WESTERN VISTA 7 6.37% $4,982
Stifel Bank and Trust 7 5.96% $2,757
Bank of America 6 5.94% $10,184
PENNYMAC LOAN SERVICES, LLC 6 6.46% $9,739
DEEPHAVEN MORTGAGE LLC 6 7.89% $17,876
Flanagan State Bank 6 7.13% $4,950
RELIANCE FIRST CAPITAL, LLC 6 6.79% $14,475
PARTNERS UNITED FINANCIAL, LLC 6 6.33% $4,288
BETTER MORTGAGE CORPORATION 6 5.88% $6,242
UNIVERSAL LENDING CORPORATION 5 6.78% $3,979
AMERICAN FINANCING CORPORATION 5 6.78% $8,421
VAN DYK MORTGAGE CORPORATION 5 7.03% $4,415
ZILLOW HOME LOANS, LLC 5 6.98% $5,364
21ST MORTGAGE CORPORATION 4 7.98% $6,236
Citadel Servicing Corporation 4 8.41% $19,244
Citibank 4 6.03% $9,094
Discover Bank 4 7.99% $0
Ixonia Bank 4 6.90% $7,151
KeyBank 4 6.78% $6,849
MOUNTAIN AMERICA 4 6.84% $6,523
NBKC BANK 4 6.02% $6,317
OPEN MORTGAGE, LLC 4 6.34% $4,913
SECURITYNATIONAL MORTGAGE COMPANY 4 6.97% $7,894
Truist 4 6.81% $6,874
V.I.P. MORTGAGE, INC. 4 6.53% $8,603
BOKF 3 6.96% $3,871
Carrington Mortgage Services, LLC 3 6.54% $6,059
Northpointe Bank 3 7.00% $7,933
WYHY 3 7.25% $6,615
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 9.00% $15,299
Ally Bank 3 6.21% $4,302
Century Mortgage Company DBA Century Lending Company 3 7.21% $8,276
NEXERA HOLDING LLC 3 8.58% $15,154
Northwest Farm Credit Services, FLCA 3 7.42% $17,081
Goldman Sachs Bank USA 3 5.48% $11,806
AMERICAN FINANCIAL NETWORK, INC. 3 6.88% $4,736
BLACK HILLS FEDERAL CREDIT UNION 3 5.83% $4,758
MEGASTAR FINANCIAL CORP. 3 7.33% $4,473
First International Bank & Trust 3 6.67% $4,848
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.81% $8,553
NuVision Federal Credit Union 2 6.94% $2,746
Umpqua Bank 2 6.56% $10,411
UNION HOME MORTGAGE CORP. 2 6.38% $8,727
BNY Mellon 2 6.69% $4,851
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.00% $8,024
Peak Financial 2 6.38% $5,321
PENTAGON FEDERAL CREDIT UNION 2 6.31% $2,608
HOMESTAR FINANCIAL CORPORATION 2 5.44% $6,465
PLANET HOME LENDING, LLC 2 7.19% $8,195
BANKWEST, INC. 2 6.69% $6,349
CANVAS CREDIT UNION 2 7.38% $3,097
EVERETT FINANCIAL, INC. 2 7.31% $7,317
First State Bank of St. Charles, Missouri 2 6.56% $2,893
RBC Bank, (Georgia) 2 6.50% $2,064
Bank of England 2 7.44% $6,023
FIRST COMMUNITY MORTGAGE, INC. 2 6.63% $6,087
Raymond James Bank 2 5.63% $13,645
FirstBank 2 6.50% $3,264
Deseret First Credit Union 2 7.31% $6,666
S1L, Inc. 2 7.00% $8,128
Commerce Home Mortgage, Inc. 2 8.63% $24,750
MEMBER FIRST MORTGAGE, LLC 2 7.00% $3,453
Sierra Pacific Mortgage Company, Inc. 2 7.19% $6,698
First National Bank of America 2 9.94% $7,155
Cache Valley Bank 2 6.75% $1,834
DAS Acquisition Company, LLC 2 6.75% $6,833
The Central Trust Bank 2 6.81% $5,030
Arvest Bank 2 6.31% $3,338
The Northern Trust Company 2 6.00% $11,875
TOWNE MORTGAGE COMPANY 2 6.94% $5,224
Armed Forces Bank 2 6.63% $6,399
North American Savings Bank, F.S.B. 1 6.88% $6,419
NP, Inc. 1 8.37% $11,821
Origin Bank 1 6.13% $5,414
BNC National Bank 1 5.88% $7,625
Bell Bank 1 8.75% $3,357
BARTLETT MORTGAGE, INC. 1 7.38% $3,574
PREMIA MORTGAGE, LLC 1 5.88% $875
Bank of Utah 1 5.38% $20,585
First Internet Bank of Indiana 1 6.25% $4,365
Prosperity Home Mortgage, LLC 1 7.50% $5,220
Bank of Colorado 1 8.13% $7,735
Security First Bank 1 6.50% $3,065
Wyndham Capital Mortgage, Inc. 1 7.38% $5,339
Bank-Fund Staff Federal Credit Union 1 7.25% $3,085
SIRVA MORTGAGE, INC. 1 6.88% $1,139
Axos Bank 1 5.63% $2,715
Sunflower Bank 1 6.99% $6,273
T2 FINANCIAL LLC 1 7.25% $11,909
The Loan Store, Inc. 1 7.25% $7,427
TOTAL MORTGAGE SERVICES, LLC 1 6.38% $10,792
ADVANTAGE PLUS 1 12.13% $3,558
UMB Bank 1 7.24% $1,915
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.63% $34,401
AmRes Corporation 1 9.13% $6,130
Ameris Bank 1 7.63% $5,467
AMERICAN INTERNET MORTGAGE, INC. 1 4.88% $7,986
AMERICAN FINANCIAL RESOURCES, INC. 1 5.00% $19,326
Utah Mortgage Loan Corporation 1 6.75% $0
UTILITIES EMPLOYEES CREDIT UNION 1 5.75% $3,510
VALLEY FINANCIAL CREDIT UNION 1 6.13% $3,179
VALOR BANK 1 6.88% $2,320
American Bank & Trust 1 7.38% $5,486
ADVANCIAL 1 8.88% $4,936
American Airlines Federal Credit Union 1 5.63% $0
Watermark Capital, Inc. 1 5.88% $5,363
AMCAP MORTGAGE, LTD. 1 7.75% $8,442
Financial Funding Solutions, Inc. 1 6.50% $3,993
First Bank & Trust 1 6.38% $8,413
FIRST COLONY MORTGAGE CORPORATION 1 7.63% $8,786
First Federal Bank 1 7.50% $3,476
Bank of Idaho 1 6.75% $3,650
Elements Financial Federal Credit Union 1 6.75% $3,111
First Merchants Bank 1 7.50% $6,957
First National Bank 1 5.63% $14,978
Eagle Bank and Trust Company 1 7.63% $6,486
DRAPER AND KRAMER MORTGAGE CORP. 1 7.63% $6,554
First Western Bank & Trust 1 5.63% $3,860
Dollar Bank, Federal Savings Bank 1 6.38% $6,738
Deere Employees Credit Union 1 6.00% $3,142
FUNDLOANS CAPITAL 1 8.88% $10,083
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 5.38% $3,535
GENEVA FINANCIAL, LLC 1 6.50% $7,372
CORTRUST MORTGAGE, INC. 1 6.25% $3,126
GOLDENWEST 1 6.38% $2,966
GRANITE FEDERAL CREDIT UNION 1 7.25% $3,328
Great Plains National Bank 1 6.50% $5,433
GREENSTATE CREDIT UNION 1 6.88% $2,021
GUARANTEED RATE AFFINITY, LLC 1 6.00% $909
Cornerstone First Mortgage, Inc 1 7.13% $23,102
GUARANTY HOME MORTGAGE CORPORATION 1 6.13% $5,991
Hancock Whitney Bank 1 7.13% $10,052
Heritage Bank 1 6.00% $1,783
IAA Credit Union 1 6.63% $2,410
IDAHO CENTRAL 1 6.75% $6,045
Independent Bank 1 6.75% $9,068
Commerce Bank 1 5.63% $7,158
INTERNATIONAL CITY MORTGAGE, INC. 1 6.63% $3,700
WESCOM CENTRAL CREDIT UNION 1 6.50% $5,209
CITYWIDE HOME LOANS, LLC 1 7.63% $13,322
City National Bank 1 7.00% $5,559
LAKEVIEW LOAN SERVICING, LLC 1 6.50% $7,248
Leader Bank 1 6.13% $3,135
LEADERONE FINANCIAL CORPORATION 1 7.13% $10,273
Citizens Bank 1 7.88% $15,480
CHEVRON 1 6.38% $5,352
CHARTER WEST BANK 1 7.13% $4,104
CENTENNIAL LENDING, LLC 1 7.13% $2,190
ALLIANT CREDIT UNION 1 6.00% $3,841
M&T Bank 1 7.13% $5,692
CANOPY MORTGAGE, LLC 1 5.88% $7,050
MY MOVE MORTGAGE, LLC 1 6.75% $2,403
NATIONWIDE MORTGAGE BANKERS, INC. 1 6.50% $8,106
CALIBER HOME LOANS, INC. 1 5.99% $4,084
CALCON MUTUAL MORTGAGE LLC 1 3.50% $3,395
WINGS FINANCIAL 1 4.88% $2,530
NEST HOME LENDING, LLC 1 6.88% $6,889

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.