Ohnward Bank & Trust mortgage approval rate & lending review
Ohnward Bank & Trust decided 469 mortgage applications and funded 457 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ohnward Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ohnward Bank & Trust at a glance
Approval is 13.1 points above the 84.5% 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 | 97% | 277 / 285 | 100% | $195K | 277 |
| Refinance | 97% | 56 / 58 | 100% | $195K | 56 |
| Investment property purchase | 100% | 72 / 72 | 99% | $105K | 71 |
| Investment refinance | 100% | 37 / 37 | 100% | $95K | 37 |
Ohnward Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Iowa | 98% | $195K | 445 | 433 |
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 Ohnward Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Linn County, IA | Mortgage lenders | 97% | 229 | 222 |
| Linn County, IA | Investment property purchase | 100% | 58 | 57 |
| Linn County, IA | Refinance | 96% | 49 | 47 |
| Johnson County, IA | Mortgage lenders | 97% | 31 | 30 |
The county markets where Ohnward Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Ohnward Bank & Trust
What is Ohnward Bank & Trust's mortgage approval rate?
Ohnward Bank & Trust approved 97.7% of the 469 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.1 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan Ohnward Bank & Trust offers?
Borrowers accepted 100% of the loans Ohnward Bank & Trust 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 Ohnward Bank & Trust make?
The typical home purchase mortgage loan Ohnward Bank & Trust made was $195K; across all loan types its typical loan ran from $95K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ohnward Bank & Trust lend?
Ohnward Bank & Trust decided applications in 16 of the states Fat Boy Data covers, most of them in Iowa, Florida and Illinois.
Can I apply to Ohnward Bank & Trust directly?
Yes. Ohnward Bank & Trust 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 Ohnward Bank & Trust'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 Ohnward Bank & Trust treats applications, then get a rate quote from the lender.