Charter West Bank mortgage approval rate & lending review
Charter West Bank decided 2,903 mortgage applications and funded 2,729 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Charter West Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Charter West Bank at a glance
Approval is 8.0 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 2,370 / 2,496 | 100% | $245K | 2,364 |
| Cash-out refinance | 86% | 71 / 83 | 99% | $205K | 70 |
| Refinance | 87% | 106 / 122 | 100% | $305K | 106 |
| Investment property purchase | 97% | 139 / 144 | 99% | $145K | 137 |
| Investment refinance | 92% | 35 / 38 | 100% | $145K | 35 |
Charter West Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Charter West Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 94% | 1,295 | 1,208 |
| Sarpy County, NE | Mortgage lenders | 97% | 544 | 524 |
| Lancaster County, NE | Mortgage lenders | 97% | 518 | 502 |
| Douglas County, NE | Investment property purchase | 98% | 108 | 106 |
| Douglas County, NE | Refinance | 89% | 61 | 54 |
| Woodbury County, IA | Mortgage lenders | 91% | 58 | 53 |
| Douglas County, NE | Cash-out refinance | 84% | 44 | 37 |
| Douglas County, NE | Investment refinance | 91% | 33 | 30 |
| Lancaster County, NE | Refinance | 91% | 22 | 20 |
| Sarpy County, NE | Refinance | 83% | 24 | 20 |
The county markets where Charter West Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Charter West Bank
What is Charter West Bank's mortgage approval rate?
Charter West Bank approved 94.3% of the 2,903 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Charter West Bank offers?
Borrowers accepted 100% of the loans Charter West Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Charter West Bank make?
The typical home purchase mortgage loan Charter West Bank made was $245K; across all loan types its typical loan ran from $145K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Charter West Bank lend?
Charter West Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Nebraska, Iowa and Arizona.
Can I apply to Charter West Bank directly?
Yes. Charter West Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Charter West Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Charter West Bank treats applications, then get a rate quote from the lender.