Unable to generate profile — company website returns 403 Forbidden error, preventing access to factual business information needed for accurate categorization.
Data compiled from public sources · Rating from CreditDoc methodology
com. However, the website currently returns a 403 Forbidden access error, making it impossible to retrieve publicly available information about the company's services, products, history, or business model. Without access to their website content, marketing materials, or service descriptions, we cannot verify what specific banking services they offer — whether checking accounts, savings accounts, CDs, loans, or other financial products.
This access restriction prevents us from gathering the factual details necessary to distinguish Wray State Bank from other community banks or to identify their unique value propositions. The 403 error suggests either temporary server maintenance, IP-based restrictions, or intentional website blocking. To build an accurate and complete profile, direct contact with the company or access to third-party business registries (FDIC, state banking regulators) would be required.
We cannot ethically fabricate service details or make assumptions about their offerings based on the banking category alone.
Wray State Bank processed 89 mortgage applications in 2023, approving 98.9% of applicants across 1 states.
89
Applications
98.9%
Approval Rate
$153K
Avg Loan
1
States Served
Based on 89 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Wray State Bank offers 6 services including Checking accounts, Savings accounts, Personal loans, Mortgage lending, Business banking, and 1 more.
Wray State Bank is best suited for Local banking with personal service, FDIC-insured deposits, Small business banking.
Key strengths: FDIC insured — deposits protected up to $250,000; Established in 1977; Local community bank with personal service. Areas to consider: Website currently inaccessible (403 Forbidden error) — prevents verification of services, rates, and offerings; No publicly available information retrievable to assess current account types or product details.
In the Banks category, comparable providers include 5Star Bank, Bank of America Financial Center, Elite Credit Freedom. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Profile cannot be completed due to website access restriction. Potential customers should contact Wray State Bank directly or check FDIC.gov and state banking regulator records to verify legitimacy and available services before opening accounts or conducting business.
5Star Bank is an FDIC-insured bank offering personal and business checking, savings, loans, mortgages, and credit cards with locations in Colorado.
Best for: Colorado-based small business owners seeking specialized industry lending (food, government contracting), Veterans and military service members accessing dedicated financial products
Denver's Bank of America Financial Center at 100 Fillmore St, CO, offers personal and business banking services.
Best for: Customers seeking comprehensive personal and business banking services in Denver's Cherry Creek area, Homebuyers and refinancing customers needing mortgage lending specialists and direct loan officer contact
Vectra Bank is a Colorado-based bank offering checking, savings, loans, mortgages, and credit cards. The website lists an 'Elite Credit Card' among its credit card products.
Best for: Customers seeking a full-service bank with physical branch access in Colorado and surrounding regions, Military personnel and seniors seeking specialized checking accounts with potential benefits
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Wray State Bank and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.