First State Bank Of Wyoming Mortgage Rates, Fees & Info
Wyoming, MNLEI: 254900GRI3U90GF3IF79
Tax ID: 41-0257650
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Mortgage Data
Review & Overview
First State Bank Of Wyoming is a smaller bank specializing in Refi and Home Purchase loans. First State Bank Of Wyoming has a high proportion of conventional loans. Their top (well, only) market is Minneapolis.First State Bank Of Wyoming has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
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Originations
33Origination Dollar Volume (All Markets)
$5,535,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 29 | $4,715,000 | $162,586 | $0 | 0.00% |
| Outside of Metro Areas | 4 | $820,000 | $205,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 33 | $5,535,000 | $167,727 | $0 | 0.00% |
For 2019, First State Bank Of Wyoming's most frequently originated type of loan was Conventional, with 33 originations.
Loan Reason
For 2019, First State Bank Of Wyoming's most frequently cited loan purpose was Refi, with 15 originations. The 2nd most popular reason was Home Purchase, with 10 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 33 | $5,535,000 | $167,727 | $0 | 0.00% |
For 2019, First State Bank Of Wyoming's most frequently cited loan duration was Other, with 33 originations.
Loan Sizing
2019 saw First State Bank Of Wyoming place emphasis on $100,000 or less loans with 15 originations, totaling $905,000 in origination value.
Applicant Income
First State Bank Of Wyoming lent most frequently to those with incomes in the $100k-150k range, with 11 originations. The second most popular income band? $50k-75k, with 6 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 33 | $5,535,000 | $167,727 | $0 | 0.00% |
First State Bank Of Wyoming lent most frequently to those with DTI ratios of Exempt%, with 33 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 25 | $3,775,000 | $151,000 | $0 | 0.00% |
| Not applicable | 8 | $1,760,000 | $220,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications89.74%
First State Bank Of Wyoming has an average approval rate.
Pick Rate
Approvals leading to origination93.94%
First State Bank Of Wyoming has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 33 | $5,535,000 | $167,727 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 2 | $600,000 | $300,000 |
| Single Family (1-4 Units):Site-Built | 31 | $4,935,000 | $159,194 |
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Closing on a mortgage | 2 | 33.3% |
| FIRST NATIONAL BANK OF OMAHA | Conventional home mortgage | Struggling to pay mortgage | 1 | 16.7% |