Western State Bank
Western State Bank received 335 applications in 2025 and made 240 mortgages, in 38 counties across 11 states. The median rate its borrowers got was 6.500% on a median loan of $265,000. Of 256 decisions, 16 were denials — 6.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900P681DTTH4I3144 |
|---|---|
| Applications received | 335 |
| Mortgages made | 240 |
| Denied | 16 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 79 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.03 points |
| FDIC-insured bank | Yes: Western State Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 173 | 6.450% | $275,000 | 3.9% |
| Refinancing | 34 | 6.313% | $345,000 | 8.1% |
| Cash-out refinancing | 24 | 6.500% | $190,000 | 11.1% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 25.0% |
Where Western State Bank lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cass County, ND | 88 | 6.250% | 6.4% |
| Maricopa County, AZ | 46 | 6.625% | 6.1% |
| Clay County, MN | 33 | 6.500% | 13.2% |
| Ramsey County, ND | 17 | 6.750% | 0.0% |
| Pinal County, AZ | 10 | 6.875% | 0.0% |
| Otter Tail County, MN | 7 | Under 10 loans | 0.0% |
| Cavalier County, ND | 5 | Under 10 loans | 0.0% |
| Richland County, ND | 3 | Under 10 loans | 0.0% |
| Navajo County, AZ | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 2 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Benson County, ND | 2 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 2 | Under 10 loans | 0.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Gila County, AZ | 1 | Under 10 loans | 50.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Ada County, ID | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Becker County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Polk County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Cascade County, MT | 1 | Under 10 loans | 0.0% |
| Burleigh County, ND | 1 | Under 10 loans | 0.0% |
| Dickey County, ND | 1 | Under 10 loans | 0.0% |
| Rolette County, ND | 1 | Under 10 loans | 0.0% |
| Walsh County, ND | 1 | Under 10 loans | 0.0% |
| Brookings County, SD | 1 | Under 10 loans | 0.0% |
| Meade County, SD | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Garfield County, UT | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 0 | Under 10 loans | 100.0% |
| Yellowstone County, MT | 0 | Under 10 loans | Not published |
| Towner County, ND | 0 | Under 10 loans | Not published |
| Summit County, UT | 0 | Under 10 loans | Not published |
Get told when this changes
When Western State 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.