Lender profile · HMDA 2023–2025
West Gate Bank mortgage approval rates & lending data
West Gate Bank decided 2,642 mortgage applications and funded 2,274 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 1,942 / 1,981 | 89% | $255K | 1,735 |
| Cash-out refinance | 94% | 107 / 114 | 81% | $185K | 87 |
| Refinance | 90% | 214 / 238 | 85% | $305K | 182 |
| Investment property purchase | 97% | 194 / 200 | 93% | $225K | 180 |
| Investment refinance | 89% | 51 / 57 | 92% | $225K | 47 |
West Gate Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 97% | $255K | 2,152 | 1,843 |
| Iowa | 96% | $265K | 245 | 221 |
| Colorado | 92% | $435K | 51 | 46 |
| Wyoming | 82% | $375K | 40 | 29 |
| South Dakota | 100% | $315K | 34 | 32 |
| Kansas | 100% | $225K | 18 | 17 |
| Arizona | 94% | $335K | 16 | 12 |
| Florida | 100% | $305K | 15 | 13 |
| Missouri | 100% | $255K | 14 | 12 |
| Texas | 92% | $275K | 12 | 10 |
| Montana | 100% | $475K | 10 | 9 |
| North Dakota | 86% | $445K | 7 | 6 |
| Arkansas | 100% | $385K | 6 | 6 |
| Minnesota | 100% | $255K | 5 | 5 |
| Oklahoma | 100% | $165K | 4 | 4 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.