Trailwest Bank Mortgage Rates, Fees & Info

Lolo, MT

LEI: 5493002BECVKN2TJ6H05

Tax ID: 81-0402347

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Trailwest Bank is a smaller bank specializing in Home Purchase loans. Trailwest Bank has a high proportion of conventional loans. Their top markets by origination volume include: Kalispell, Missoula, Phoenix, Sheridan, and Bozeman among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

Trailwest Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

184

Origination Dollar Volume (All Markets)

$59,090,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Outside of Metro Areas	77	$24,325,000	$315,909	$0	0.00%
Kalispell, MT (FHA\|USDA\|VA)	52	$18,790,000	$361,346	$0	0.00%
MISSOULA, MT (FHA\|USDA\|VA)	47	$12,105,000	$257,553	$0	0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	2	$1,900,000	$950,000	$0	0.00%
Sheridan, WY (FHA\|USDA\|VA)	2	$630,000	$315,000	$0	0.00%
Bozeman, MT (FHA\|USDA\|VA)	1	$515,000	$515,000	$0	0.00%
Helena, MT (FHA\|USDA\|VA)	1	$485,000	$485,000	$0	0.00%
Butte-Silver Bow, MT (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	0.00%

Trailwest Bank's top markets include Kalispell, Missoula, Phoenix, Sheridan, and Bozeman among others.

Their top states include:

Montana (FHA|USDA|VA)

Arizona (FHA|USDA|VA)

Wyoming (FHA|USDA|VA)

Nevada (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	184	$59,090,000	$321,141	$0	0.00%

For 2024, Trailwest Bank's most frequently originated type of loan was Conventional, with 184 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	117	$47,775,000	$408,333	$0	0.00%
Refi	33	$7,495,000	$227,121	$0	0.00%
Other	20	$1,750,000	$87,500	$0	0.00%
Home Improvement	14	$2,070,000	$147,857	$0	0.00%

For 2024, Trailwest Bank's most frequently cited loan purpose was Home Purchase, with 117 originations. The 2nd most popular reason was Refi, with 33 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	184	$59,090,000	$321,141	$0	0.00%

For 2024, Trailwest Bank's most frequently cited loan duration was Other, with 184 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	62	$18,510,000	$298,548	$0	0.00%
$100,000 or less	39	$2,355,000	$60,385	$0	0.00%
$100k-200k	30	$4,040,000	$134,667	$0	0.00%
$400k-600k	28	$13,340,000	$476,429	$0	0.00%
$600k-1MM	21	$15,455,000	$735,952	$0	0.00%
$1MM+	4	$5,390,000	$1,347,500	$0	0.00%

2024 saw Trailwest Bank place emphasis on $200k-400k loans with 62 originations, totaling $18,510,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	37	$11,565,000	$312,568	$0	0.00%
$50k-75k	32	$4,920,000	$153,750	$0	0.00%
$250k+	31	$18,105,000	$584,032	$0	0.00%
$150k-250k	28	$10,400,000	$371,429	$0	0.00%
$75k-100k	24	$5,430,000	$226,250	$0	0.00%
$50k or less	12	$1,120,000	$93,333	$0	0.00%

Trailwest Bank lent most frequently to those with incomes in the $100k-150k range, with 37 originations. The second most popular income band? $50k-75k, with 32 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	184	$59,090,000	$321,141	$0	0.00%

Trailwest Bank lent most frequently to those with DTI ratios of Exempt%, with 184 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	155	$50,275,000	$324,355	$0	0.00%
Not applicable	12	$4,510,000	$375,833	$0	0.00%
Not provided	15	$3,795,000	$253,000	$0	0.00%
American Indian	2	$510,000	$255,000	$0	0.00%

Approval Rates

Total approvals of all applications
92.02%

Trailwest Bank has an average approval rate.

Pick Rate

Approvals leading to origination
80.98%

Trailwest Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	184	$59,090,000	$321,141

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	184	$59,090,000	$321,141