Western Vista Mortgage Rates, Fees & Info

Cheyenne, WY

LEI: 549300WRB87J6ZL6CO07

Tax ID: 83-0169225

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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, Fort Collins, Denver, and Greeley among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Western Vista has an 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) 5.21% 4/28/24
    30 Year Conventional Purchase 6.38% 4/28/24
    30 Year Conventional Refi 6.24% 4/28/24
    30 Year Cash-out Refi 6.78% 4/28/24
    30 Year FHA Purchase 6.96% 4/28/24
    30 Year VA Purchase 5.50% 4/28/24
    30 Year USDA Purchase 5.90% 4/28/24
    15 Year Conventional Purchase 6.66% 4/28/24
    15 Year Conventional Refi 6.14% 4/28/24
    15 Year Cash-out Refi 6.14% 4/28/24
    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

    266

    Origination Dollar Volume (All Markets)

    $41,290,000

    Awards

    WESTERN VISTA 30 Year Conventional Loans silver WESTERN VISTA FHA Loans gold WESTERN VISTA VA Loans gold
    Show all (3) awards

    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) 193 $29,605,000 $153,394 $4,575 4.22%
    CHEYENNE, WY (FHA|USDA|VA) 31 $5,295,000 $170,806 $4,025 4.57%
    Outside of Metro Areas 32 $2,910,000 $90,938 $3,336 5.71%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,345,000 $448,333 $6,832 3.21%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $790,000 $395,000 $10,078 4.19%
    GREELEY, CO (FHA|USDA|VA) 2 $590,000 $295,000 $4,016 3.88%
    Riverton, WY (FHA|USDA|VA) 1 $395,000 $395,000 $17,957 3.25%
    Laramie, WY (FHA|USDA|VA) 1 $205,000 $205,000 $4,108 3.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $3,415 4.38%
    Western Vista's top markets include Casper, Cheyenne, Fort Collins, Denver, and Greeley among others.

    Their top states include:
  • Wyoming (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (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.

    Pinnacle Bank - Wyoming
    Similarity Rank: 294
    Blue Federal Credit Union
    Similarity Rank: 324
    WESTERN VISTA
    Similarity Rank: 369
    Jonah Bank of Wyoming
    Similarity Rank: 986
    PARTNERS UNITED FINANCIAL, LLC
    Similarity Rank: 1280
    CENTENNIAL LENDING, LLC
    Similarity Rank: 1598
    AMCAP MORTGAGE, LTD.
    Similarity Rank: 3300
    Low VA Rates, LLC
    Similarity Rank: 5013
    Bank of the West
    Similarity Rank: 5020
    SUNTRUST BANKS, INC
    Similarity Rank: 5973

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 144 $22,040,000 $153,056 $3,082 4.00%
    FHA 54 $10,860,000 $201,111 $7,496 3.72%
    HELOC 45 $2,385,000 $53,000 n/a 7.07%
    VA 13 $3,495,000 $268,846 $5,971 3.50%
    USDA 10 $2,510,000 $251,000 $7,466 3.61%

    For 2019, Western Vista's most frequently originated type of loan was Conventional, with 144 originations. Their 2nd most popular type was FHA, with 54 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 171 $30,375,000 $177,632 $4,854 3.58%
    Other 28 $1,260,000 $45,000 $1,113 7.47%
    Refi 26 $4,210,000 $161,923 $3,685 5.29%
    Home Improvement 23 $1,115,000 $48,478 $700 6.60%
    Cash Out Refi 18 $4,330,000 $240,556 $5,018 3.70%

    For 2019, Western Vista's most frequently cited loan purpose was Home Purchase, with 171 originations. The 2nd most popular reason was Other, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 165 $34,005,000 $206,091 $5,472 3.52%
    Other 48 $2,500,000 $52,083 $238 7.01%
    15 Year 31 $3,945,000 $127,258 $2,414 5.69%
    10 Year 17 $105,000 $6,176 $151 3.64%
    20 Year 3 $665,000 $221,667 $4,372 4.00%
    5 Year 2 $70,000 $35,000 $0 5.25%

    For 2019, Western Vista's most frequently cited loan duration was 30 Year, with 165 originations. The 2nd most popular length was Other, with 48 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 67 $12,665,000 $189,030
    $<1k 57 $1,785,000 $31,316
    $3k-4k 42 $11,950,000 $284,524
    $1k-2k 29 $3,445,000 $118,793
    $4k-5k 17 $6,455,000 $379,706
    $5k+ 6 $2,450,000 $408,333

    Western Vista's average total fees were $5,472, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 67 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 126 $25,870,000 $205,317
    4-5% 49 $9,435,000 $192,551
    5-6% 31 $2,805,000 $90,484
    <2.5% 18 $100,000 $5,556
    Over 8% 17 $1,205,000 $70,882
    7-8% 13 $565,000 $43,462
    6-7% 9 $365,000 $40,556
    2.5-3% 3 $945,000 $315,000

    During 2019, Western Vista's average interest rate for loans was 3.52%, while their most frequently originated rate bucket for loans was 3-4%, with 126 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 101 $2,985,000 $29,554 $548 5.06%
    $200k-400k 79 $21,605,000 $273,481 $7,062 3.95%
    $100k-200k 74 $11,310,000 $152,838 $4,756 4.18%
    $400k-600k 12 $5,390,000 $449,167 $6,889 3.72%

    2019 saw Western Vista place emphasis on $100,000 or less loans with 101 originations, totaling $2,985,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 72 $9,930,000 $137,917 $4,824 3.99%
    $75k-100k 61 $9,955,000 $163,197 $4,975 4.41%
    $100k-150k 52 $10,390,000 $199,808 $5,332 5.17%
    $50k or less 52 $5,520,000 $106,154 $3,141 3.56%
    $150k-250k 25 $4,905,000 $196,200 $4,315 5.68%
    $250k+ 4 $590,000 $147,500 $3,922 6.25%

    Western Vista lent most frequently to those with incomes in the $50k-75k range, with 72 originations. The second most popular income band? $75k-100k, with 61 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 46 $7,760,000 $168,696 $4,631 5.06%
    30-36% 44 $6,860,000 $155,909 $4,214 5.10%
    <20% 41 $2,835,000 $69,146 $1,853 4.01%
    42% 17 $2,905,000 $170,882 $5,232 4.77%
    44% 15 $2,135,000 $142,333 $5,077 2.92%
    41% 15 $1,775,000 $118,333 $4,814 4.30%
    38% 12 $2,320,000 $193,333 $5,951 5.20%
    40% 12 $2,040,000 $170,000 $4,673 4.48%
    43% 11 $2,065,000 $187,727 $4,549 4.10%
    37% 10 $1,690,000 $169,000 $4,390 3.74%
    36% 8 $1,230,000 $153,750 $3,422 3.16%
    39% 8 $1,640,000 $205,000 $5,937 4.42%
    50-60% 8 $2,110,000 $263,750 $8,880 3.69%
    46% 4 $850,000 $212,500 $4,586 3.88%
    47% 4 $890,000 $222,500 $5,563 4.06%
    49% 4 $950,000 $237,500 $7,413 3.69%
    45% 4 $470,000 $117,500 $1,774 4.75%
    48% 3 $765,000 $255,000 $7,838 4.04%

    Western Vista lent most frequently to those with DTI ratios of 20-30%, with 46 originations. The next most common DTI ratio? 30-36%, with 44 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 256 $39,810,000 $155,508 $4,577 4.46%
    Not provided 5 $925,000 $185,000 $4,090 2.90%
    Asian 2 $350,000 $175,000 $3,922 5.13%
    Black 2 $180,000 $90,000 $3,347 1.81%
    American Indian 1 $25,000 $25,000 $0 5.75%

    Approval Rates

    Total approvals of all applications
    88.55%

    Western Vista has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.47%

    Western Vista has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $85,000 $85,000
    NA 265 $41,205,000 $155,491

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 2 $530,000 $265,000
    Single Family (1-4 Units):Site-Built 264 $40,760,000 $154,394

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 12 $740,000 $61,667 $1,657 5.93%
    40-60% 8 $1,070,000 $133,750 $3,209 5.73%
    60-80% 33 $7,505,000 $227,424 $4,557 4.38%
    80-100% 130 $29,670,000 $228,231 $6,223 3.87%
    Over 100% 1 $195,000 $195,000 $4,426 3.25%
    Under 20% 82 $2,110,000 $25,732 $333 4.99%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    WESTERN UNION COMPANY, THE Conventional home mortgage Trouble during payment process 7 70.0%
    WESTERN UNION COMPANY, THE Home equity loan or line of credit (HELOC) Trouble during payment process 1 10.0%
    WESTERN UNION COMPANY, THE Other type of mortgage Trouble during payment process 2 20.0%