Mortgage lending in Natrona County
2,332 mortgages were originated in Natrona County, Wyoming, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,332
- Median rate
- 6.625%
- Median lender fees
- $6,030
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $215,000
- Above the going rate (spread over APOR)
- 0.289
- Paid discount points
- 32.7%
- Received lender credits
- 14.4%
- Purchases / refinances
- 60.7% / 23.7%
- Conventional / FHA / VA
- 66.1% / 22% / 11.7%
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 65.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $297,000
- That home, 20% down
- $237,600
A median-priced home with 20% down leaves $595,150 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Natrona County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 273 | $7,293 | 6.250% |
| Hilltop National Bank | 192 | — | — |
| Rocket Mortgage, LLC | 183 | $6,175 | 6.375% |
| Western Vista | 179 | $5,136 | 6.250% |
| Fairway Independent Mortgage Corporation | 169 | $8,900 | 6.625% |
| Jonah Bank of Wyoming | 112 | $4,826 | 6.750% |
| Uniwyo Federal Credit Union | 105 | $165 | 7.500% |
| Wyhy | 96 | — | 8.000% |
| Crosscountry Mortgage, Inc. | 89 | $9,795 | 6.188% |
| United Shore Financial Services, LLC | 77 | $6,635 | 5.998% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Natrona County — not a rule of thumb.
From 1,527 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers