CHARTER WEST BANK
CHARTER WEST BANK received 2,609 applications in 2025 and made 1,836 mortgages, in 136 counties across 20 states. The median rate its borrowers got was 6.500% on a median loan of $235,000. Of 2,013 decisions, 173 were denials — 8.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GG5XNEIGHQTG04 |
|---|---|
| Applications received | 2,609 |
| Mortgages made | 1,836 |
| Denied | 173 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 596 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.297 points |
| FDIC-insured bank | Yes: CHARTER WEST BANK, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,650 | 6.500% | $235,000 | 8.1% |
| Refinancing | 107 | 6.500% | $255,000 | 12.2% |
| Cash-out refinancing | 68 | 6.813% | $175,000 | 16.1% |
| Other purposes | 11 | 8.000% | $55,000 | 0.0% |
Where CHARTER WEST BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Douglas County, NE | 532 | 6.625% | 7.2% |
| Sarpy County, NE | 226 | 6.375% | 3.0% |
| Lancaster County, NE | 167 | 6.500% | 2.3% |
| Platte County, NE | 84 | 6.500% | 12.5% |
| Pottawattamie County, IA | 65 | 6.625% | 7.1% |
| Buffalo County, NE | 62 | 6.500% | 8.8% |
| Hall County, NE | 62 | 6.375% | 16.2% |
| Red Willow County, NE | 53 | 6.500% | 8.6% |
| Madison County, NE | 46 | 6.500% | 13.2% |
| Adams County, NE | 44 | 6.375% | 20.0% |
| Woodbury County, IA | 41 | 6.625% | 4.7% |
| Polk County, IA | 38 | 6.125% | 5.0% |
| Dodge County, NE | 23 | 6.875% | 0.0% |
| Dawson County, NE | 21 | 6.375% | 8.7% |
| Furnas County, NE | 19 | 6.500% | 5.0% |
| Boone County, NE | 14 | 6.438% | 0.0% |
| Colfax County, NE | 14 | 6.625% | 12.5% |
| Cuming County, NE | 14 | 6.750% | 6.7% |
| Saline County, NE | 13 | 6.250% | 7.1% |
| Cass County, NE | 12 | 6.500% | 14.3% |
| Dakota County, NE | 12 | 6.813% | 14.3% |
| Dallas County, IA | 11 | 6.125% | 8.3% |
| Saunders County, NE | 11 | 6.500% | 0.0% |
| Thurston County, NE | 11 | 7.250% | 0.0% |
| Hamilton County, NE | 10 | 6.750% | 16.7% |
| Lincoln County, NE | 9 | Under 10 loans | 0.0% |
| Merrick County, NE | 9 | Under 10 loans | 0.0% |
| Kearney County, NE | 8 | Under 10 loans | 11.1% |
| Buena Vista County, IA | 7 | Under 10 loans | 0.0% |
| Stanton County, NE | 7 | Under 10 loans | 22.2% |
| Plymouth County, IA | 6 | Under 10 loans | 0.0% |
| Butler County, NE | 6 | Under 10 loans | 14.3% |
| Otoe County, NE | 6 | Under 10 loans | 14.3% |
| Seward County, NE | 6 | Under 10 loans | 0.0% |
| Warren County, IA | 5 | Under 10 loans | 37.5% |
| Antelope County, NE | 5 | Under 10 loans | 16.7% |
| Clay County, NE | 5 | Under 10 loans | 28.6% |
| Hitchcock County, NE | 5 | Under 10 loans | 44.4% |
| Howard County, NE | 5 | Under 10 loans | 0.0% |
| Washington County, NE | 5 | Under 10 loans | 14.3% |
| Union County, SD | 5 | Under 10 loans | 16.7% |
| Harrison County, IA | 4 | Under 10 loans | 0.0% |
| Mills County, IA | 4 | Under 10 loans | 20.0% |
| Decatur County, KS | 4 | Under 10 loans | 0.0% |
| Burt County, NE | 4 | Under 10 loans | 33.3% |
| Chase County, NE | 4 | Under 10 loans | 20.0% |
| Custer County, NE | 4 | Under 10 loans | 20.0% |
| Frontier County, NE | 4 | Under 10 loans | 0.0% |
| Gage County, NE | 4 | Under 10 loans | 16.7% |
| Gosper County, NE | 4 | Under 10 loans | 20.0% |
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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.