Charter West Bank in Iowa vs the state
6.4%Denial rate-6.44 pts vs state
8.7%Decision denial rate-6.63 pts vs state
67.6%Origination rate-0.89 pts vs state
6.50%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$80kMedian applicant income
200Loans originated
19Denied
Trend in Iowa
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 103 | 9.4% | 7.00% | #113 |
| 2024 | 190 | 127 | 7.9% | 6.63% | #98 |
| 2025 | 296 | 200 | 6.4% | 6.50% | #76 |
What Charter West Bank lends in Iowa
By loan purpose
By loan type
Why it denied Iowa applicants
Where in Iowa
Counties with the most Charter West Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pottawattamie County | 100 | 65 | 5 | 5.0% |
| Polk County | 57 | 38 | 2 | 3.5% |
| Woodbury County | 54 | 41 | 2 | 3.7% |
| Dallas County | 16 | 11 | 1 | 6.3% |
| Warren County | 10 | 5 | 3 | 30.0% |
| Mills County | 9 | 4 | 1 | 11.1% |
| Buena Vista County | 7 | 7 | 0 | 0.0% |
| Harrison County | 6 | 4 | 0 | 0.0% |
| Plymouth County | 6 | 6 | 0 | 0.0% |
| Marion County | 6 | 3 | 1 | 16.7% |
Other large lenders in Iowa
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| GREENSTATE Credit Union | B | 13,829 | 5.9% | 6.50% |
| Veridian Credit Union | B | 8,725 | 8.9% | 6.49% |
| Rocket Mortgage | C | 3,761 | 22.7% | 6.63% |
| Hills Bank and Trust | A | 3,434 | 6.1% | 6.25% |
| U.S. Bank | D | 2,720 | 25.7% | 7.00% |
| Dupaco Community | A | 2,669 | 16.1% | 7.00% |
| Community Choice Credit Union | B | 2,653 | 11.8% | 6.13% |
| Iowa Bankers Mortgage | B | 2,423 | 15.4% | 6.50% |
| Broker Solutions | D | 2,386 | 6.4% | 6.75% |
| Northwest Bank | A | 2,181 | 5.7% | 6.38% |
Frequently asked questions
Iowa: 296 applications in 2025, of which 200 were originated and 19 denied.
6.4% of all applications, or 8.7% of the applications it actually decided on. The Iowa statewide average across all lenders was 12.9%.
The median rate on loans Charter West Bank originated in Iowa in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Charter West Bank's own HMDA filing for properties located in Iowa, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology