Ohnward Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.7% deniedProcesswithdrawn + incomplete share, weight 15%
60th9.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 230 | 197 | 2.6% | 3.0% | 6.88% | $41M |
| 2024 | 239 | 202 | 3.8% | 4.3% | — | $47M |
| 2025 | 325 | 289 | 1.5% | 1.7% | — | $69M |
What Ohnward Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 85 investment properties.
Who gets approved at Ohnward Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 24 | 7.7% |
| $50k – $100k | 77 | 61 | 3.2% |
| $100k – $150k | 51 | 44 | 2.2% |
| $150k – $250k | 58 | 53 | 0.0% |
| Over $250k | 41 | 39 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 22 | 8.3% |
| 25–34 | 73 | 66 | 0.0% |
| 35–44 | 66 | 57 | 1.7% |
| 45–54 | 34 | 27 | 6.9% |
| 55–64 | 35 | 32 | 0.0% |
| 65–74 | 21 | 19 | 0.0% |
Where Ohnward Bank & Trust lends
13 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Iowa | 307 | 273 | 1.6% | — | #73 |
Frequently asked questions
Ohnward Bank & Trust denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 25% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 97% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.