Wyoming Bank & Trust Mortgage Rates, Fees & Info
Cheyenne, WYLEI: 549300XCHJ481RPPSP63
Tax ID: 83-0117330
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Wyoming Bank & Trust is a smaller bank specializing in Home Purchase loans. Wyoming Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Cheyenne, Laramie, Greeley, Austin, and Albuquerque among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)Wyoming Bank & Trust 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.
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Originations
128Origination Dollar Volume (All Markets)
$41,720,000Top 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 |
|---|---|---|---|---|---|
| CHEYENNE, WY (FHA|USDA|VA) | 111 | $35,555,000 | $320,315 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $0 | 0.00% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $660,000 | $330,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 0.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Manitowoc, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| Huron, SD (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Wyoming Bank & Trust 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 79 | $23,205,000 | $293,734 | $0 | 0.00% |
| VA | 27 | $11,375,000 | $421,296 | $0 | 0.00% |
| FHA | 22 | $7,140,000 | $324,545 | $0 | 0.00% |
For 2024, Wyoming Bank & Trust's most frequently originated type of loan was Conventional, with 79 originations. Their 2nd most popular type was VA, with 27 originations.
Loan Reason
For 2024, Wyoming Bank & Trust's most frequently cited loan purpose was Home Purchase, with 111 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 128 | $41,720,000 | $325,938 | $0 | 0.00% |
For 2024, Wyoming Bank & Trust's most frequently cited loan duration was Other, with 128 originations.
Loan Sizing
2024 saw Wyoming Bank & Trust place emphasis on $200k-400k loans with 69 originations, totaling $20,255,000 in origination value.
Applicant Income
Wyoming Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 33 originations. The second most popular income band? $100k-150k, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 128 | $41,720,000 | $325,938 | $0 | 0.00% |
Wyoming Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 128 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.95%
Wyoming Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination86.72%
Wyoming Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 128 | $41,720,000 | $325,938 |