West Gate Bank mortgage approval rate & lending review
West Gate Bank decided 2,642 mortgage applications and funded 2,274 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions West Gate Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
West Gate Bank at a glance
Approval is 11.6 points above the 85.1% 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 | 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 |
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 West Gate Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, NE | Mortgage lenders | 98% | 770 | 660 |
| Douglas County, NE | Mortgage lenders | 99% | 624 | 542 |
| Sarpy County, NE | Mortgage lenders | 98% | 247 | 225 |
| Lancaster County, NE | Investment property purchase | 99% | 96 | 92 |
| Lancaster County, NE | Refinance | 94% | 94 | 75 |
| Polk County, IA | Mortgage lenders | 97% | 75 | 68 |
| Douglas County, NE | Investment property purchase | 98% | 51 | 44 |
| Douglas County, NE | Refinance | 85% | 59 | 41 |
| Lancaster County, NE | Cash-out refinance | 96% | 49 | 34 |
| Woodbury County, IA | Mortgage lenders | 97% | 34 | 32 |
| Douglas County, NE | Cash-out refinance | 100% | 27 | 24 |
| Dallas County, IA | Mortgage lenders | 96% | 23 | 21 |
The county markets where West Gate Bank made the most loans. Each link opens that market with every lender ranked.
Questions about West Gate Bank
What is West Gate Bank's mortgage approval rate?
West Gate Bank approved 96.7% of the 2,642 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 85.1% national rate for the same mix of loan types.
How often do borrowers take the loan West Gate Bank offers?
Borrowers accepted 89% of the loans West Gate 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 West Gate Bank make?
The typical home purchase mortgage loan West Gate Bank made was $255K; across all loan types its typical loan ran from $185K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does West Gate Bank lend?
West Gate Bank decided applications in 24 of the states Fat Boy Data covers, most of them in Nebraska, Iowa and Colorado.
Can I apply to West Gate Bank directly?
Yes. West Gate Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show West Gate 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 West Gate Bank treats applications, then get a rate quote from the lender.