Rock Springs VA Loan Rates, Closing Costs & Stats
Rock Springs, WY
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Rock Springs's 21 lenders originated 64 VA loans during 2024. The total origination value was $20,020,000, with an average VA loan value of $312,813.
Rock Springs VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Rock Springs
averaged
6.58%
for the week of 2025-07-18, compared to the national average (all VA variants) of
6.385% for the same period.
Rock Springs's average VA mortgage closing costs are $5,767.
The average rate for the prior week (2025-07-11) was
6.47% and
one month ago for the week of 2025-06-13, the
average rate was 6.74%.
The average rate one year ago was 6.74%.
For refis of the same type during the week of 2025-07-18, the average rate
was 6.39%.
Rock Springs VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Rock Springs level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 16 | 6.49% | $6,909 |
| UNITED WHOLESALE MORTGAGE, LLC | 7 | 5.91% | $5,629 |
| QUICKEN LOANS, LLC | 5 | 5.89% | $9,154 |
| FREEDOM MORTGAGE CORPORATION | 4 | 6.13% | $12,135 |
| U.S. Bank | 3 | 6.00% | $5,201 |
| USAA Federal Savings Bank | 3 | 6.50% | $9,336 |
| NEWREZ LLC | 3 | 6.42% | $7,793 |
| NEW DAY FINANCIAL, LLC | 2 | 7.56% | $14,654 |
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.00% | $3,969 |
| Barrington Bank & Trust Company, N.A. | 2 | 5.50% | $4,206 |
| Wells Fargo Bank | 2 | 6.19% | $5,426 |
| Paramount Residential Mortgage Group, Inc. | 1 | 5.63% | $4,082 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.00% | $4,249 |
| GUILD MORTGAGE COMPANY | 1 | 6.63% | $19,237 |
| LAKEVIEW LOAN SERVICING, LLC | 1 | 6.50% | $4,407 |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 6.63% | $10,258 |
| PENNYMAC LOAN SERVICES, LLC | 1 | 6.00% | $7,371 |
| PHH Mortgage Corporation | 1 | 4.99% | $9,422 |
| PLANET HOME LENDING, LLC | 1 | 5.50% | $4,256 |
| The Federal Savings Bank | 1 | 6.75% | $7,483 |
| VILLAGE CAPITAL MORTGAGE | 1 | 5.75% | $6,987 |
The top Rock Springs VA lender as defined by loan originations is Mortgage Research Center, LLC, with
16 VA loans originated. Their average total fees are
$6,909, which is $1,280
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Rock Springs VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($6,909), .
The lowest rate Rock Springs VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.49%), .