Western State Bank mortgage approval rate & lending review
Western State Bank decided 408 mortgage applications and funded 369 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Western State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Western State Bank at a glance
Approval is 7.5 points above the 83.0% 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 | 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 |
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.
Questions about Western State Bank
What is Western State Bank's mortgage approval rate?
Western State Bank approved 90.4% of the 408 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan Western State Bank offers?
Borrowers accepted 100% of the loans Western State 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 Western State Bank make?
The typical home purchase mortgage loan Western State Bank made was $265K; across all loan types its typical loan ran from $265K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Western State Bank lend?
Western State Bank decided applications in 13 of the states Fat Boy Data covers, most of them in Arizona, North Dakota and Minnesota.
Can I apply to Western State Bank directly?
Yes. Western State Bank is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Western State 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 Western State Bank treats applications, then get a rate quote from the lender.