Mortgage lending in Albany County
778 mortgages were originated in Albany County, Wyoming, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 778
- Median rate
- 6.625%
- Median lender fees
- $6,096
- Median loan amount
- $285,000
- Median spread over APOR
- 0.179
- Paid discount points
- 33.8%
- Received lender credits
- 21.1%
- Purchases / refinances
- 57.5% / 24.6%
- Conventional / FHA / VA
- 80.2% / 9.5% / 10.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Albany County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNIWYO FEDERAL CREDIT UNION | 156 | $165 | 7.500% |
| Jonah Bank of Wyoming | 131 | $7,313 | 6.125% |
| Rocket Mortgage, LLC | 86 | $5,973 | 6.375% |
| Fairway Independent Mortgage Corporation | 77 | $7,458 | 6.490% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Albany County — not a rule of thumb.
From 564 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers