Western Bank
Western Bank received 175 applications in 2025 and made 128 mortgages, in 28 counties across 2 states. The median rate its borrowers got was 8.000% on a median loan of $190,000. Of 144 decisions, 16 were denials — 11.1%, most often for credit history.
| Legal Entity Identifier | 5493000EAQ6YVQD0ZB49 |
|---|---|
| Applications received | 175 |
| Mortgages made | 128 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.266 points |
| FDIC-insured bank | Yes: Western Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | 8.000% | $240,000 | 4.4% |
| Refinancing | 19 | 8.000% | $135,000 | 26.9% |
| Cash-out refinancing | 16 | 8.000% | $260,000 | 23.8% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 0.0% |
Where Western Bank lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lubbock County, TX | 40 | 7.250% | 4.8% |
| Randall County, TX | 31 | 8.500% | 3.1% |
| Potter County, TX | 16 | 8.125% | 0.0% |
| Taylor County, TX | 15 | 8.000% | 0.0% |
| Brown County, TX | 4 | Under 10 loans | 0.0% |
| Howard County, TX | 4 | Under 10 loans | 0.0% |
| Hale County, TX | 3 | Under 10 loans | 72.7% |
| Jones County, TX | 2 | Under 10 loans | 0.0% |
| Lincoln County, NM | 1 | Under 10 loans | 0.0% |
| Callahan County, TX | 1 | Under 10 loans | 0.0% |
| Crosby County, TX | 1 | Under 10 loans | 0.0% |
| Gaines County, TX | 1 | Under 10 loans | 50.0% |
| Hansford County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Knox County, TX | 1 | Under 10 loans | 0.0% |
| Lipscomb County, TX | 1 | Under 10 loans | 0.0% |
| Lynn County, TX | 1 | Under 10 loans | 0.0% |
| Nueces County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Swisher County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 0 | Under 10 loans | Not published |
| Dawson County, TX | 0 | Under 10 loans | 100.0% |
| Deaf Smith County, TX | 0 | Under 10 loans | 100.0% |
| Hockley County, TX | 0 | Under 10 loans | 100.0% |
| Ochiltree County, TX | 0 | Under 10 loans | Not published |
| Scurry County, TX | 0 | Under 10 loans | Not published |
| Wilbarger County, TX | 0 | Under 10 loans | 100.0% |
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When Western Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.