Western Vista Mortgage Rates, Fees & Info
Cheyenne, WYLEI: 549300WRB87J6ZL6CO07
Tax ID: 83-0169225
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Mortgage Data
Review & Overview
Western Vista is a smaller mortgage company specializing in Home Purchase and Refi loans. Western Vista has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Casper, Cheyenne, Fort Collins, Greeley, and Phoenix among others. We have data for 15 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 an above average pick rate when compared to similar lenders. Western Vista is typically a low 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
438Origination Dollar Volume (All Markets)
$79,940,000Awards
WESTERN VISTA - 2020
WESTERN VISTA is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 236 | $41,780,000 | $177,034 | $4,300 | 2.95% |
| CHEYENNE, WY (FHA|USDA|VA) | 99 | $22,245,000 | $224,697 | $3,123 | 2.97% |
| Outside of Metro Areas | 62 | $6,280,000 | $101,290 | $2,379 | 4.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $4,090,000 | $292,143 | $4,280 | 3.18% |
| GREELEY, CO (FHA|USDA|VA) | 10 | $2,720,000 | $272,000 | $4,444 | 2.90% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,563 | 4.83% |
| Riverton, WY (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $1,958 | 3.30% |
| Scottsbluff, NE (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $1,963 | 2.42% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,441 | 3.38% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,121 | 2.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,968 | 2.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,662 | 2.75% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,719 | 2.63% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $431 | 4.15% |
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.
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Product Mix
For 2020, Western Vista's most frequently originated type of loan was Conventional, with 343 originations. Their 2nd most popular type was FHA, with 41 originations.
Loan Reason
For 2020, Western Vista's most frequently cited loan purpose was Home Purchase, with 174 originations. The 2nd most popular reason was Refi, with 139 originations.
Loan Duration/Length
For 2020, Western Vista's most frequently cited loan duration was 30 Year, with 244 originations. The 2nd most popular length was 15 Year, with 93 originations.
Origination Fees/Closing Costs
Western Vista's average total fees were $4,641, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 119 originations.
Interest Rates
During 2020, Western Vista's average interest rate for loans was 2.85%, while their most frequently originated rate bucket for loans was 2.5-3%, with 150 originations.
Loan Sizing
2020 saw Western Vista place emphasis on $200k-400k loans with 172 originations, totaling $46,340,000 in origination value.
Applicant Income
Western Vista lent most frequently to those with incomes in the $50k-75k range, with 120 originations. The second most popular income band? $100k-150k, with 87 originations.
Applicant Debt to Income Ratio
Western Vista lent most frequently to those with DTI ratios of 20-30%, with 113 originations. The next most common DTI ratio? <20%, with 78 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.93%
Western Vista has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.24%
Western Vista has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 2 | $40,000 | $20,000 |
| NA | 436 | $79,900,000 | $183,257 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $395,000 | $131,667 |
| Single Family (1-4 Units):Site-Built | 435 | $79,545,000 | $182,862 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| WESTERN UNION COMPANY, THE | Conventional home mortgage | Trouble during payment process | 1 | 50.0% |
| WESTERN UNION COMPANY, THE | Other type of mortgage | Trouble during payment process | 1 | 50.0% |