Lender profile · HMDA 2023–2025
Western State Bank mortgage approval rates & lending data
Western State Bank decided 408 mortgage applications and funded 369 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 | 94% | 236 / 252 | 100% | $265K | 236 |
| Cash-out refinance | 82% | 31 / 38 | 100% | $325K | 31 |
| Refinance | 88% | 37 / 42 | 100% | $345K | 37 |
| Investment property purchase | 95% | 37 / 39 | 100% | $415K | 37 |
Western State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 88% | $585K | 194 | 171 |
| North Dakota | 92% | $265K | 187 | 172 |
| Minnesota | 100% | $565K | 6 | 6 |
| Texas | 100% | $495K | 5 | 5 |
| Illinois | 100% | $225K | 4 | 4 |
| California | 100% | $505K | 2 | 2 |
| Florida | 100% | $215K | 2 | 2 |
| Montana | 100% | $435K | 2 | 2 |
| New Mexico | 100% | $255K | 2 | 2 |
| Idaho | 100% | $205K | 1 | 1 |
| Michigan | 0% | — | 1 | 0 |
| Ohio | 100% | $135K | 1 | 1 |
| Utah | 100% | $2.81M | 1 | 1 |
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.