TrailWest Bank mortgage approval rate & lending review
TrailWest Bank decided 295 mortgage applications and funded 256 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions TrailWest Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
TrailWest Bank at a glance
Approval is 6.7 points above the 82.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 149 / 167 | 96% | $355K | 143 |
| Refinance | 84% | 49 / 58 | 98% | $215K | 48 |
| Investment property purchase | 95% | 36 / 38 | 100% | $355K | 36 |
TrailWest Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Montana | 89% | $355K | 289 | 250 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where TrailWest Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Flathead County, MT | Mortgage lenders | 92% | 90 | 80 |
| Missoula County, MT | Mortgage lenders | 85% | 71 | 57 |
| Flathead County, MT | Refinance | 79% | 33 | 25 |
| Missoula County, MT | Refinance | 96% | 23 | 22 |
The county markets where TrailWest Bank made the most loans. Each link opens that market with every lender ranked.
Questions about TrailWest Bank
What is TrailWest Bank's mortgage approval rate?
TrailWest Bank approved 89.5% of the 295 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.7 points above the 82.8% national rate for the same mix of loan types.
How often do borrowers take the loan TrailWest Bank offers?
Borrowers accepted 97% of the loans TrailWest Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does TrailWest Bank make?
The typical home purchase mortgage loan TrailWest Bank made was $355K; across all loan types its typical loan ran from $215K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does TrailWest Bank lend?
TrailWest Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Montana, Arizona and Colorado.
Can I apply to TrailWest Bank directly?
Yes. TrailWest Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show TrailWest Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how TrailWest Bank treats applications, then get a rate quote from the lender.