What loan types does Western Vista offer?

Western Vista offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Western Vista offer mortgages?

Western Vista offers mortgages in 6 states: AZ, ID, NM, NV, OK, WY.

How competitive are Western Vista's mortgage rates?

Western Vista has an overall pricing score of 43/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Western Vista?

Western Vista is a Credit Union headquartered in Cheyenne, WY.

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Western Vista

Credit Union•Cheyenne, WYHQ•Direct•Reviews near you on Google

Western Vista has 123 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Exceptional

5/5

Multi-Region · 1 mkts

Awards

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA loans

Explore another lender or local market

Report Card

Western Vista performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+0.3 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Exceptional	65	52.8%	+0.205%Above	$3,355Fees
FHA Loans	Strong	Strong	—	Exceptional	41	33.3%	-0.124%Below	$3,936Fees
VA Loans	Strong	Strong	—	Exceptional	17	13.8%	-0.667%Below	$3,411Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Exceptional

Volume65

Mix52.8%

Spread

+0.205%Above

Fees

$3,355Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Exceptional

Volume41

Mix33.3%

Spread

-0.124%Below

Fees

$3,936Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Exceptional

Volume17

Mix13.8%

Spread

-0.667%Below

Fees

$3,411Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Sound	Exceptional	113	91.9%	+0.011%Above	$3,576Fees
Refinance	Acceptable	Acceptable	—	—	10	8.1%	-0.063%Below	$2,640Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Exceptional

Volume113

Mix91.9%

Spread

+0.011%Above

Fees

$3,576Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix8.1%

Spread

-0.063%Below

Fees

$2,640Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

123

Applications

147

Volume

$33 million

Pricing & Closing

Avg Rate Spread

+0.003%

vs. market APOR

Avg Net Fees

$3,479

Origination − Credits

Pullthrough Rate

83.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$273,537

Avg Borrower Income

$119,016

Avg Property Value

$331,016

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

South1

West5

AZIDNMNVWY

Top Metro Areas by Place Specialization Score

Casper, WYMetro

Volume 104Mix 84.55% of portfolio

100/100

Exceptional

Top States by Place Specialization Score

WyomingState

Volume 118Mix 95.93% of portfolio

87/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.