Lender profile · HMDA 2023–2025
Bank of the West mortgage approval rates & lending data
Bank of the West decided 514 mortgage applications and funded 338 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 | 81% | 98 / 121 | 99% | $825K | 97 |
| Home improvement loans | 64% | 93 / 146 | 100% | $105K | 93 |
| Cash-out refinance | 59% | 20 / 34 | 100% | $335K | 20 |
| Refinance | 58% | 69 / 118 | 99% | $355K | 68 |
| Investment property purchase | 87% | 26 / 30 | 100% | $545K | 26 |
| Investment refinance | 56% | 14 / 25 | 100% | $375K | 14 |
| Investment home improvement | 42% | 14 / 33 | 100% | $145K | 14 |
Bank of the West lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 66% | $355K | 356 | 233 |
| Colorado | 66% | $125K | 47 | 30 |
| Oregon | 62% | $155K | 16 | 10 |
| Iowa | 71% | $65K | 14 | 10 |
| Arizona | 83% | $105K | 12 | 10 |
| Washington | 42% | $105K | 12 | 5 |
| Nevada | 73% | $245K | 11 | 8 |
| New Mexico | 82% | $95K | 11 | 9 |
| Nebraska | 90% | $35K | 10 | 9 |
| Idaho | 43% | $195K | 7 | 3 |
| Utah | 67% | $45K | 6 | 4 |
| Missouri | 75% | $65K | 4 | 3 |
| Kansas | 100% | $215K | 2 | 2 |
| North Dakota | 100% | $105K | 2 | 2 |
| Oklahoma | 0% | — | 2 | 0 |
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.