Average Loan Estimate Fees in Wyoming (2023)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Wyoming Average
$4,350
Total lender & third-party fees
National Average
$6,180
Wyoming is 30% below the national average
Fee-by-Fee Breakdown (2023)
| Fee Type | Wyoming | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,380 | $1,750 | Yes |
| Underwriting Fee | $710 | $800 | Yes |
| Processing Fee | $370 | $600 | Yes |
| Application Fee | $155 | $250 | Yes |
| Rate Lock Fee | $185 | $300 | Yes |
| Appraisal Fee | $305 | $500 | No |
| Title Insurance | $715 | $1,250 | No |
| Settlement Fee | $385 | $500 | Yes |
| Document Prep Fee | $125 | $200 | Yes |
| Flood Certification | $20 | $30 | No |
| Total | $4,350 | $6,180 |
Mortgage Closing Costs in Wyoming
In 2023, borrowers in Wyoming can expect total loan estimate fees of approximately $4,350 on average — 30% lower than the national average of $6,180. The lower costs in Wyoming reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
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