# WESTERN VISTA

> **Canonical URL:** https://saferate.com/lenders/western-vista

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

WESTERN VISTA is a credit union, headquartered in Cheyenne, WY, serving borrowers across 6 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 57% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WRB87J6ZL6CO07
- **Headquarters:** Cheyenne, WY
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** AZ, ID, NM, NV, OK, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.003%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,479
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $34 million
- **Applications Received:** 147
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $273,537
- **Average Borrower Income:** $119,016

## Safe Rate Awards 🏆

- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 65 | +0.205% | $3,355 | Sound ☺️ |
| FHA | 67/100 | 41 | -0.124% | $3,936 | Strong 😀 |
| VA | 66/100 | 17 | -0.667% | $3,411 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 39 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 113 | $32M | +0.011% | Sound ☺️ |
| Refinance | 31/100 | 10 | $2M | -0.063% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WY | 118 | 1.88% | 87/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Casper, WY | WY | 104 | 100/100 |
| Non |  | 11 | 26/100 |

## Frequently Asked Questions

### What loan types does WESTERN VISTA offer?

WESTERN VISTA offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 43/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.003% above market average.

### What type of lender is WESTERN VISTA?

WESTERN VISTA is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Cheyenne, WY.

### What is WESTERN VISTA's loan approval success rate?

WESTERN VISTA has a pull-through score of 84/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/western-vista

### How to Cite

> "WESTERN VISTA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/western-vista

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