Wyoming Bank & Trust Mortgage Rates, Fees & Info
Cheyenne, WYLEI: 549300XCHJ481RPPSP63
Tax ID: 83-0117330
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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. They have a low ratio of USDA loans. Their top markets by origination volume include: Cheyenne, Laramie, Riverton, Colorado Springs, and Boulder among others. We have data for 7 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.
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 |
|---|---|---|
| 30 Year Conventional Purchase | 5.85% | 4/26/24 |
| 30 Year Conventional Refi | 6.14% | 4/26/24 |
| 30 Year Cash-out Refi | 6.74% | 4/26/24 |
| 30 Year FHA Purchase | 6.63% | 4/26/24 |
| 30 Year VA Purchase | 5.77% | 4/26/24 |
| 30 Year VA Refi | 5.58% | 4/26/24 |
| 15 Year Conventional Purchase | 5.92% | 4/26/24 |
| 15 Year Conventional Refi | 5.73% | 4/26/24 |
| 15 Year Cash-out Refi | 5.73% | 4/26/24 |
| 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. | ||
Wyoming Bank & Trust Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
120Origination Dollar Volume (All Markets)
$33,690,000Top 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) | 105 | $29,945,000 | $285,190 | $0 | 0.00% |
| Outside of Metro Areas | 8 | $1,740,000 | $217,500 | $0 | 0.00% |
| Laramie, WY (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $0 | 0.00% |
| Riverton, WY (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $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
For 2023, Wyoming Bank & Trust's most frequently originated type of loan was Conventional, with 70 originations. Their 2nd most popular type was VA, with 31 originations.
Loan Reason
For 2023, Wyoming Bank & Trust's most frequently cited loan purpose was Home Purchase, with 102 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 120 | $33,690,000 | $280,750 | $0 | 0.00% |
For 2023, Wyoming Bank & Trust's most frequently cited loan duration was Other, with 120 originations.
Loan Sizing
2023 saw Wyoming Bank & Trust place emphasis on $200k-400k loans with 67 originations, totaling $19,945,000 in origination value.
Applicant Income
Wyoming Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 32 originations. The second most popular income band? $75k-100k, with 29 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 120 | $33,690,000 | $280,750 | $0 | 0.00% |
Wyoming Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 120 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.30%
Wyoming Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination80.00%
Wyoming Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 120 | $33,690,000 | $280,750 |