Wyoming · Q1 2026
What Wyoming borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 258 lenders.
Published 2026-04-29.
Wyoming · headline
The gap between Wyoming's lowest- and highest-cost ranked lenders in 2025 was $5,669 on a typical loan — borrowers using CrossCountry Mortgage paid roughly 144% more than borrowers using Mortgage Research Center, LLC on similar loans.
Source: FFIEC HMDA 2025 (n=9,255)
In 2025, 258 mortgage lenders originated 9,255 reportable loans in Wyoming according to FFIEC HMDA data. The median borrower paid $5,760 in total loan costs. That is 35.8% above the national median across all 50 states and DC.
Wyoming's median total loan cost was $5,760, 35.8% above the national median of $4,242. On a typical loan, that translates to roughly $1,518 more than borrowers paid in the average state.
Mortgage Research Center, LLC posted the lowest median total loan costs at $3,926, 31.8% below the Wyoming median. Across the ranked lenders, 8 earned an A grade against peer averages and 2 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Wyoming are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,753 | $3,519 | 1,169 | A |
| 2 | United Wholesale Mortgage | $7,339 | $3,618 | 965 | C |
| 3 | Fairway Independent Mortgage | $8,152 | $4,103 | 690 | D |
| 4 | Guild Mortgage | $7,326 | $4,026 | 656 | C |
| 5 | Jonah Bank of Wyoming | $6,736 | $4,095 | 314 | B |
| 6 | Glacier Bank | $5,993 | $3,080 | 283 | A |
| 7 | Mortgage Research Center, LLC | $3,926 | $2,873 | 280 | A |
| 8 | Gold Star Mortgage Financial Group, Corporation | $7,046 | $3,244 | 243 | B |
| 9 | Freedom Mortgage | $7,037 | $4,047 | 238 | B |
| 10 | Western Vista | $4,992 | $2,771 | 195 | A |
Wyoming median total loan cost
Wyoming borrowers paid a median $5,760 in total loan costs in 2025, based on 9,255 HMDA-reported loans across 258 lenders.
FFIEC HMDA 2025
Lender spread in Wyoming
In Wyoming, the gap between Mortgage Research Center, LLC ($3,926 median) and CrossCountry Mortgage ($9,596 median) was $5,669 on a typical 2025 loan.
FFIEC HMDA 2025
Wyoming vs. national
Wyoming closing costs ran 35.8% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Wyoming was $2,902, with the typical lender clustering tightly around that figure. Discount points appeared on 58% of loans, with a median paid amount of $2,591 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $366.
Avg $4,131
Median $2,591 when present
Median $366 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Wyoming) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Wyoming
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