Midwest Heritage Bank, FSB mortgage approval rate & lending review
Midwest Heritage Bank, FSB decided 364 mortgage applications and funded 321 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Midwest Heritage Bank, FSB reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Midwest Heritage Bank, FSB at a glance
Approval is 8.5 points above the 80.8% 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 | 92% | 155 / 168 | 100% | $305K | 155 |
| Home improvement loans | 80% | 51 / 64 | 94% | $45K | 48 |
| Refinance | 85% | 41 / 48 | 100% | $65K | 41 |
| Investment property purchase | 96% | 64 / 67 | 98% | $195K | 63 |
Midwest Heritage Bank, FSB 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 Midwest Heritage Bank, FSB lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dallas County, IA | Investment property purchase | 100% | 28 | 28 |
| Polk County, IA | Home improvement loans | 86% | 35 | 28 |
| Dallas County, IA | Mortgage lenders | 90% | 30 | 27 |
| Polk County, IA | Refinance | 96% | 25 | 24 |
| Polk County, IA | Investment property purchase | 90% | 20 | 17 |
The county markets where Midwest Heritage Bank, FSB made the most loans. Each link opens that market with every lender ranked.
Questions about Midwest Heritage Bank, FSB
What is Midwest Heritage Bank, FSB's mortgage approval rate?
Midwest Heritage Bank, FSB approved 89.3% of the 364 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points above the 80.8% national rate for the same mix of loan types.
How often do borrowers take the loan Midwest Heritage Bank, FSB offers?
Borrowers accepted 99% of the loans Midwest Heritage Bank, FSB 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 Midwest Heritage Bank, FSB make?
The typical home purchase mortgage loan Midwest Heritage Bank, FSB made was $305K; across all loan types its typical loan ran from $45K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Midwest Heritage Bank, FSB lend?
Midwest Heritage Bank, FSB decided applications in 17 of the states Fat Boy Data covers, most of them in Iowa, Missouri and Nebraska.
Can I apply to Midwest Heritage Bank, FSB directly?
Yes. Midwest Heritage Bank, FSB is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Midwest Heritage Bank, FSB'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 Midwest Heritage Bank, FSB treats applications, then get a rate quote from the lender.