TrailWest Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
54th8.8% deniedProcesswithdrawn + incomplete share, weight 15%
34th15.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 211 | 156 | 11.4% | 12.1% | — | $55M |
| 2024 | 238 | 184 | 8.0% | 9.4% | — | $59M |
| 2025 | 256 | 198 | 7.4% | 8.8% | — | $86M |
What TrailWest Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 43 manufactured homes, 31 investment properties.
Who gets approved at TrailWest Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 63 | 46 | 13.2% |
| $100k – $150k | 55 | 44 | 8.3% |
| $150k – $250k | 53 | 42 | 2.3% |
| Over $250k | 37 | 30 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 34 | 17.1% |
| 35–44 | 48 | 38 | 5.0% |
| 45–54 | 47 | 38 | 5.0% |
| 55–64 | 39 | 31 | 11.4% |
| 65–74 | 30 | 22 | 15.4% |
Where TrailWest Bank lends
3 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Montana | 253 | 196 | 7.5% | — | #37 |
Frequently asked questions
TrailWest Bank denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 63% of its applications were for home purchases, 21% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.