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. Their top markets by origination volume include: Cheyenne, Laramie, Casper, Fort Collins, and Missoula 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. Wyoming Bank & Trust 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.85% | 4/28/24 |
| 30 Year Conventional Refi | 6.14% | 4/28/24 |
| 30 Year Cash-out Refi | 6.74% | 4/28/24 |
| 30 Year FHA Purchase | 6.63% | 4/28/24 |
| 30 Year VA Purchase | 5.77% | 4/28/24 |
| 30 Year VA Refi | 5.58% | 4/28/24 |
| 15 Year Conventional Purchase | 5.92% | 4/28/24 |
| 15 Year Conventional Refi | 5.73% | 4/28/24 |
| 15 Year Cash-out Refi | 5.73% | 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. | ||
Wyoming Bank & Trust Mortgage Calculator
Your Estimates
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This is not an official calculator from Wyoming Bank & Trust. 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
165Origination Dollar Volume (All Markets)
$53,285,000Awards
Wyoming Bank & Trust - 2022
Wyoming Bank & Trust is a 2022 , due to their low .
For 2022, 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 |
|---|---|---|---|---|---|
| CHEYENNE, WY (FHA|USDA|VA) | 142 | $44,890,000 | $316,127 | $6,270 | 4.39% |
| Laramie, WY (FHA|USDA|VA) | 3 | $2,765,000 | $921,667 | $6,598 | 4.33% |
| Outside of Metro Areas | 7 | $1,165,000 | $166,429 | $3,206 | 4.77% |
| CASPER, WY (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $0 | 5.56% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,790 | 3.50% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $8,672 | 6.99% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $98 | 5.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,463 | 4.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,860 | 6.00% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,221 | 2.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,994 | 4.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,823 | 4.50% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,346 | 4.25% |
| Evanston, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,333 | 5.25% |
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 | 114 | $35,680,000 | $312,982 | $5,055 | 4.51% |
| VA | 35 | $13,155,000 | $375,857 | $7,036 | 4.10% |
| FHA | 16 | $4,450,000 | $278,125 | $9,688 | 4.65% |
For 2022, Wyoming Bank & Trust's most frequently originated type of loan was Conventional, with 114 originations. Their 2nd most popular type was VA, with 35 originations.
Loan Reason
For 2022, Wyoming Bank & Trust's most frequently cited loan purpose was Home Purchase, with 137 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
For 2022, Wyoming Bank & Trust's most frequently cited loan duration was 30 Year, with 141 originations. The 2nd most popular length was 15 Year, with 12 originations.
Origination Fees/Closing Costs
Wyoming Bank & Trust's average total fees were $6,284, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 50 originations.
Interest Rates
During 2022, Wyoming Bank & Trust's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 54 originations.
Loan Sizing
2022 saw Wyoming Bank & Trust place emphasis on $200k-400k loans with 96 originations, totaling $28,630,000 in origination value.
Applicant Income
Wyoming Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 42 originations. The second most popular income band? $50k-75k, with 37 originations.
Applicant Debt to Income Ratio
Wyoming Bank & Trust lent most frequently to those with DTI ratios of 30-36%, with 31 originations. The next most common DTI ratio? 20-30%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.12%
Wyoming Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination80.61%
Wyoming Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 165 | $53,285,000 | $322,939 |