Western Vista Mortgage Rates, Fees & Info

Cheyenne, WY

LEI: 549300WRB87J6ZL6CO07

Tax ID: 83-0169225

5 stars - Updated: 4/17/25 - out of 5 stars, based on 16 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Western Vista is a smaller mortgage company specializing in Home Purchase loans. Western Vista has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Casper, Cheyenne, Riverton, Albuquerque, and Fort Collins among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Western Vista has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Western Vista is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 9.09% 4/17/25
    30 Year Conventional Purchase 6.91% 4/17/25
    30 Year Conventional Refi 6.75% 4/17/25
    30 Year Cash-out Refi 6.74% 4/17/25
    30 Year FHA Purchase 6.95% 4/17/25
    30 Year FHA Refi 6.65% 4/17/25
    30 Year VA Purchase 6.06% 4/17/25
    15 Year Conventional Purchase 7.26% 4/17/25
    15 Year Conventional Refi 7.23% 4/17/25
    15 Year Cash-out Refi 7.23% 4/17/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Western Vista Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Western Vista. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    251

    Origination Dollar Volume (All Markets)

    $43,265,000
    Show all (8) awards

    Relative Rate

    Western Vista's average 30 year fixed mortgage rate was 6.27%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.28%.

    Relative Fees (Closing Costs)

    Western Vista's average total fees/closing costs for a 30 year fixed rate mortgage were $7,325.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top 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
    CASPER, WY (FHA|USDA|VA) 199 $35,325,000 $177,513 $4,685 6.65%
    Outside of Metro Areas 31 $4,995,000 $161,129 $4,155 8.23%
    CHEYENNE, WY (FHA|USDA|VA) 11 $1,505,000 $136,818 $2,711 7.86%
    Riverton, WY (FHA|USDA|VA) 2 $290,000 $145,000 $4,898 3.19%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $275,000 $275,000 $4,137 6.63%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $255,000 $85,000 $456 8.89%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $8,942 5.63%
    BOISE CITY, ID (FHA|USDA|VA) 1 $185,000 $185,000 $4,274 4.75%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $135,000 $135,000 $3,833 5.99%
    Ponca City, OK (FHA|USDA|VA) 1 $75,000 $75,000 $4,246 6.63%
    Western Vista's top markets include Casper, Cheyenne, Riverton, Albuquerque, and Fort Collins among others.

    Their top states include:
  • Wyoming (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against WESTERN VISTA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    ANB Bank
    Similarity Rank: 48
    WESTERN VISTA
    Similarity Rank: 120
    CENTENNIAL LENDING, LLC
    Similarity Rank: 255
    Blue Federal Credit Union
    Similarity Rank: 266
    Jonah Bank of Wyoming
    Similarity Rank: 500
    Glacier Bank
    Similarity Rank: 948
    First Western Trust Bank
    Similarity Rank: 1144
    Servion, Inc.
    Similarity Rank: 2940
    PENNYMAC LOAN SERVICES, LLC
    Similarity Rank: 3564
    NEWREZ LLC
    Similarity Rank: 4270

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 139 $21,595,000 $155,360 $2,725 6.05%
    HELOC 53 $4,785,000 $90,283 n/a 10.01%
    FHA 42 $11,060,000 $263,333 $9,647 6.10%
    VA 17 $5,825,000 $342,647 $6,546 5.92%

    For 2024, Western Vista's most frequently originated type of loan was Conventional, with 139 originations. Their 2nd most popular type was HELOC, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 145 $33,425,000 $230,517 $5,718 5.69%
    Other 54 $4,080,000 $75,556 $1,112 8.82%
    Home Improvement 33 $2,895,000 $87,727 $407 8.63%
    Refi 13 $1,815,000 $139,615 $3,522 7.94%
    Cash Out Refi 6 $1,050,000 $175,000 $4,121 6.32%

    For 2024, Western Vista's most frequently cited loan purpose was Home Purchase, with 145 originations. The 2nd most popular reason was Other, with 54 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 107 $30,905,000 $288,832 $7,325 6.27%
    Other 71 $5,365,000 $75,563 $307 8.17%
    15 Year 62 $5,910,000 $95,323 $1,440 6.56%
    10 Year 5 $365,000 $73,000 $1,710 5.87%
    5 Year 5 $255,000 $51,000 $587 6.84%
    20 Year 1 $465,000 $465,000 $7,107 6.63%

    For 2024, Western Vista's most frequently cited loan duration was 30 Year, with 107 originations. The 2nd most popular length was Other, with 71 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 71 $3,495,000 $49,225
    $2k-3k 43 $8,945,000 $208,023
    $3k-4k 32 $9,100,000 $284,375
    $4k-5k 20 $7,330,000 $366,500
    $5k+ 16 $7,880,000 $492,500
    $1k-2k 13 $1,395,000 $107,308

    Western Vista's average total fees were $7,325, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 71 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 81 $19,965,000 $246,481
    Over 8% 69 $5,955,000 $86,304
    5-6% 48 $13,610,000 $283,542
    7-8% 32 $3,220,000 $100,625
    <2.5% 19 $275,000 $14,474
    4-5% 2 $240,000 $120,000

    During 2024, Western Vista's average interest rate for loans was 6.27%, while their most frequently originated rate bucket for loans was 6-7%, with 81 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 107 $5,145,000 $48,084 $527 7.04%
    $200k-400k 83 $23,275,000 $280,422 $7,454 6.48%
    $100k-200k 45 $6,525,000 $145,000 $3,801 7.44%
    $400k-600k 11 $5,095,000 $463,182 $9,246 6.30%
    $600k-1MM 5 $3,225,000 $645,000 $10,481 6.53%

    2024 saw Western Vista place emphasis on $100,000 or less loans with 107 originations, totaling $5,145,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 64 $10,810,000 $168,906 $4,948 7.40%
    $75k-100k 60 $9,730,000 $162,167 $4,641 6.30%
    $50k-75k 49 $6,905,000 $140,918 $4,506 5.77%
    $150k-250k 46 $9,770,000 $212,391 $4,311 7.91%
    $50k or less 19 $2,055,000 $108,158 $3,146 6.99%
    $250k+ 13 $3,995,000 $307,308 $5,180 7.42%

    Western Vista lent most frequently to those with incomes in the $100k-150k range, with 64 originations. The second most popular income band? $75k-100k, with 60 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 47 $6,795,000 $144,574 $3,644 7.34%
    30-36% 36 $5,070,000 $140,833 $3,499 7.42%
    <20% 32 $1,890,000 $59,063 $1,165 3.49%
    42% 19 $2,945,000 $155,000 $4,043 8.32%
    39% 16 $3,080,000 $192,500 $5,664 6.19%
    50-60% 13 $3,795,000 $291,923 $7,822 6.24%
    38% 12 $3,040,000 $253,333 $7,591 6.95%
    36% 12 $1,900,000 $158,333 $4,554 7.50%
    44% 10 $2,880,000 $288,000 $6,302 6.52%
    40% 10 $2,060,000 $206,000 $5,316 8.46%
    37% 9 $1,505,000 $167,222 $4,864 8.82%
    41% 8 $1,230,000 $153,750 $6,903 8.29%
    48% 6 $1,580,000 $263,333 $4,930 6.77%
    43% 5 $1,235,000 $247,000 $6,325 8.09%
    47% 5 $1,795,000 $359,000 $8,865 7.72%
    49% 4 $710,000 $177,500 $5,808 7.44%
    46% 3 $725,000 $241,667 $7,048 6.46%
    45% 3 $1,005,000 $335,000 $7,780 6.21%
    >60% 1 $25,000 $25,000 $106 9.25%

    Western Vista lent most frequently to those with DTI ratios of 20-30%, with 47 originations. The next most common DTI ratio? 30-36%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 171 $24,895,000 $145,585 $3,861 7.42%
    Not provided 75 $17,435,000 $232,467 $5,673 5.66%
    Asian 3 $865,000 $288,333 $5,070 6.25%
    Black 1 $45,000 $45,000 $0 8.75%
    American Indian 1 $25,000 $25,000 $0 7.06%

    Approval Rates

    Total approvals of all applications
    90.86%

    Western Vista has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.49%

    Western Vista has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 251 $43,265,000 $172,371

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    251 $43,265,000 $172,371

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 37 $4,085,000 $110,405 $1,408 8.61%
    40-60% 11 $2,165,000 $196,818 $4,456 6.94%
    60-80% 30 $9,110,000 $303,667 $5,924 6.62%
    80-100% 80 $22,820,000 $285,250 $7,527 6.20%
    Over 100% 2 $730,000 $365,000 $15,710 5.75%
    Under 20% 91 $4,355,000 $47,857 $321 6.88%