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 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, Jackson, Fort Collins, and Greeley among others. We have data for 21 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 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.

    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% 12/16/24
    30 Year Conventional Purchase 6.38% 12/16/24
    30 Year Conventional Refi 6.24% 12/16/24
    30 Year Cash-out Refi 6.78% 12/16/24
    30 Year FHA Purchase 6.96% 12/16/24
    30 Year VA Purchase 5.50% 12/16/24
    30 Year USDA Purchase 5.90% 12/16/24
    15 Year Conventional Purchase 6.66% 12/16/24
    15 Year Conventional Refi 6.14% 12/16/24
    15 Year Cash-out Refi 6.14% 12/16/24
    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

    304

    Origination Dollar Volume (All Markets)

    $59,330,000
    Show all (6) 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) 160 $31,000,000 $193,750 $4,643 2.87%
    CHEYENNE, WY (FHA|USDA|VA) 55 $12,745,000 $231,727 $2,681 2.64%
    Outside of Metro Areas 50 $4,970,000 $99,400 $2,481 4.20%
    Jackson, WY-ID (FHA|USDA|VA) 3 $2,435,000 $811,667 $7,938 2.83%
    FORT COLLINS, CO (FHA|USDA|VA) 5 $1,315,000 $263,000 $2,441 2.90%
    GREELEY, CO (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,650 2.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,150,000 $287,500 $5,450 3.91%
    Riverton, WY (FHA|USDA|VA) 8 $1,150,000 $143,750 $3,143 2.48%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $535,000 $535,000 $7,465 2.75%
    Ponca City, OK (FHA|USDA|VA) 2 $430,000 $215,000 $3,842 2.44%
    Laramie, WY (FHA|USDA|VA) 2 $310,000 $155,000 $2,977 2.44%
    BILLINGS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $5,260 2.25%
    Sheridan, WY (FHA|USDA|VA) 1 $285,000 $285,000 $4,743 2.38%
    BOULDER, CO (FHA|USDA|VA) 1 $265,000 $265,000 $5,093 2.50%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $255,000 $255,000 $2,987 2.88%
    Scottsbluff, NE (FHA|USDA|VA) 1 $235,000 $235,000 $4,829 2.50%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $205,000 $205,000 $4,430 2.50%
    North Platte, NE (FHA|USDA|VA) 1 $195,000 $195,000 $4,439 2.38%
    Gillette, WY (FHA|USDA|VA) 1 $165,000 $165,000 $3,098 2.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $1,812 2.63%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.75%
    Western Vista's top markets include Casper, Cheyenne, Jackson, Fort Collins, and Greeley among others.

    Their top states include:
  • Wyoming (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Oklahoma (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: 288
    Blue Federal Credit Union
    Similarity Rank: 494
    WESTERN VISTA
    Similarity Rank: 630
    Wyoming Bank & Trust
    Similarity Rank: 893
    PARTNERS UNITED FINANCIAL, LLC
    Similarity Rank: 1891
    Jonah Bank of Wyoming
    Similarity Rank: 1944
    CENTENNIAL LENDING, LLC
    Similarity Rank: 3360
    Glacier Bank
    Similarity Rank: 3706
    CRESCENT MORTGAGE COMPANY
    Similarity Rank: 9022
    OPEN MORTGAGE, LLC
    Similarity Rank: 10098

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 222 $47,150,000 $212,387 $3,545 2.70%
    HELOC 45 $3,525,000 $78,333 n/a 5.14%
    FHA 19 $3,835,000 $201,842 $7,510 2.55%
    VA 9 $2,765,000 $307,222 $5,111 2.46%
    USDA 9 $2,055,000 $228,333 $6,093 2.35%

    For 2021, Western Vista's most frequently originated type of loan was Conventional, with 222 originations. Their 2nd most popular type was HELOC, with 45 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 123 $26,065,000 $211,911 $4,721 2.48%
    Refi 86 $16,330,000 $189,884 $3,492 2.81%
    Cash Out Refi 42 $11,570,000 $275,476 $3,981 2.75%
    Other 27 $3,425,000 $126,852 $2,235 4.62%
    Home Improvement 26 $1,940,000 $74,615 $383 5.20%

    For 2021, Western Vista's most frequently cited loan purpose was Home Purchase, with 123 originations. The 2nd most popular reason was Refi, with 86 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 162 $39,550,000 $244,136 $4,691 2.63%
    15 Year 68 $13,660,000 $200,882 $3,338 3.08%
    Other 60 $3,760,000 $62,667 $247 4.20%
    10 Year 8 $840,000 $105,000 $2,372 2.28%
    20 Year 6 $1,520,000 $253,333 $3,840 2.63%

    For 2021, Western Vista's most frequently cited loan duration was 30 Year, with 162 originations. The 2nd most popular length was 15 Year, with 68 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 73 $10,825,000 $148,288
    $2k-3k 69 $12,955,000 $187,754
    $3k-4k 53 $14,805,000 $279,340
    $1k-2k 30 $4,250,000 $141,667
    $4k-5k 19 $7,555,000 $397,632
    $5k+ 6 $4,000,000 $666,667

    Western Vista's average total fees were $4,691, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 73 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 122 $23,680,000 $194,098
    2.5-3% 93 $24,125,000 $259,409
    3-4% 46 $8,680,000 $188,696
    5-6% 17 $1,185,000 $69,706
    4-5% 10 $780,000 $78,000
    7-8% 8 $370,000 $46,250
    6-7% 7 $495,000 $70,714
    Over 8% 1 $15,000 $15,000

    During 2021, Western Vista's average interest rate for loans was 2.63%, while their most frequently originated rate bucket for loans was <2.5%, with 122 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 111 $30,005,000 $270,315 $5,046 2.67%
    $100k-200k 89 $13,695,000 $153,876 $3,749 2.87%
    $100,000 or less 81 $3,475,000 $42,901 $760 3.77%
    $400k-600k 20 $9,400,000 $470,000 $5,244 2.81%
    $600k-1MM 2 $1,340,000 $670,000 $8,691 3.13%
    $1MM+ 1 $1,415,000 $1,415,000 $17,033 2.50%

    2021 saw Western Vista place emphasis on $200k-400k loans with 111 originations, totaling $30,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 77 $12,265,000 $159,286 $4,107 2.57%
    $100k-150k 59 $13,715,000 $232,458 $3,664 3.37%
    $50k or less 46 $6,040,000 $131,304 $3,402 2.44%
    $75k-100k 46 $9,250,000 $201,087 $4,505 2.96%
    $150k-250k 40 $9,150,000 $228,750 $3,616 3.53%
    $250k+ 35 $8,865,000 $253,286 $5,473 3.70%

    Western Vista lent most frequently to those with incomes in the $50k-75k range, with 77 originations. The second most popular income band? $100k-150k, with 59 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 71 $14,255,000 $200,775 $3,892 3.00%
    <20% 51 $6,665,000 $130,686 $2,641 2.18%
    30-36% 50 $9,650,000 $193,000 $3,141 3.25%
    42% 18 $3,690,000 $205,000 $4,139 3.56%
    39% 17 $3,025,000 $177,941 $4,947 3.54%
    41% 16 $3,750,000 $234,375 $4,756 3.61%
    44% 15 $3,675,000 $245,000 $5,877 2.79%
    38% 15 $2,235,000 $149,000 $3,772 3.71%
    36% 13 $2,995,000 $230,385 $5,114 3.36%
    48% 6 $1,680,000 $280,000 $5,085 2.54%
    50-60% 5 $1,265,000 $253,000 $8,273 2.63%
    40% 5 $1,255,000 $251,000 $4,396 3.90%
    43% 5 $1,105,000 $221,000 $4,307 2.75%
    37% 5 $645,000 $129,000 $3,136 3.47%
    47% 4 $1,340,000 $335,000 $4,158 2.84%
    49% 4 $940,000 $235,000 $5,260 2.53%
    45% 2 $550,000 $275,000 $6,740 2.69%
    46% 2 $610,000 $305,000 $3,895 2.94%

    Western Vista lent most frequently to those with DTI ratios of 20-30%, with 71 originations. The next most common DTI ratio? <20%, with 51 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 278 $53,870,000 $193,777 $4,038 3.04%
    Not provided 23 $4,735,000 $205,870 $3,229 3.01%
    Asian 2 $490,000 $245,000 $4,210 2.63%
    Black 1 $235,000 $235,000 $5,004 2.50%

    Approval Rates

    Total approvals of all applications
    94.32%

    Western Vista has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.20%

    Western Vista has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $35,000 $35,000
    NA 303 $59,295,000 $195,693

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    304 $59,330,000 $195,164

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $4,670,000 $179,615 $2,783 3.77%
    40-60% 37 $6,635,000 $179,324 $3,176 2.48%
    60-80% 77 $20,245,000 $262,922 $4,095 2.78%
    80-100% 99 $24,485,000 $247,323 $5,270 2.57%
    Over 100% 2 $580,000 $290,000 $11,441 2.50%
    Under 20% 63 $2,715,000 $43,095 $190 4.09%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    WESTERN EXPRESS LENDING Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    WESTERN EXPRESS LENDING Conventional home mortgage Closing on a mortgage 1 50.0%