Charter West Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Charter West Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Charter West Bank 201 South Main Street Po Box 288 West Point, NE 68788 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 4,294 |
| Total Mortgage Loan Application Amount | $858,870,000 |
| Average Mortgage Loan Application Amount | $165,600 |
| Highest Mortgage Loan Application Amount | $2,345,000 |
| Average Applicant Income | $98,800 |
| Highest Applicant Income | $1,661,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Charter West Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Charter West Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Charter West Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Charter West Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Charter West Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Charter West Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Douglas County Nebraska | 1,446 | $ 313,420,000 | $ 216,000 | $ 105,000 |
| Lancaster County Nebraska | 667 | $ 137,125,000 | $ 205,000 | $ 88,000 |
| Sarpy County Nebraska | 515 | $ 118,595,000 | $ 230,000 | $ 103,000 |
| Hall County Nebraska | 211 | $ 34,285,000 | $ 162,000 | $ 62,000 |
| Platte County Nebraska | 193 | $ 36,065,000 | $ 186,000 | $ 70,000 |
| Adams County Nebraska | 183 | $ 27,725,000 | $ 151,000 | $ 66,000 |
| Red Willow County Nebraska | 106 | $ 14,600,000 | $ 137,000 | $ 73,000 |
| Cass County Nebraska | 86 | $ 19,590,000 | $ 227,000 | $ 100,000 |
| Saunders County Nebraska | 65 | $ 16,525,000 | $ 254,000 | $ 122,000 |
| Pottawattamie County Iowa | 53 | $ 9,715,000 | $ 183,000 | $ 86,000 |
| Dawson County Nebraska | 50 | $ 7,410,000 | $ 148,000 | $ 94,000 |
| Washington County Nebraska | 42 | $ 11,780,000 | $ 280,000 | $ 119,000 |
| Cuming County Nebraska | 41 | $ 4,355,000 | $ 106,000 | $ 69,000 |
| Dodge County Nebraska | 39 | $ 6,925,000 | $ 177,000 | $ 62,000 |
| Buffalo County Nebraska | 34 | $ 8,360,000 | $ 245,000 | $ 94,000 |
| Madison County Nebraska | 33 | $ 5,055,000 | $ 153,000 | $ 63,000 |
| Otoe County Nebraska | 31 | $ 4,165,000 | $ 134,000 | $ 62,000 |
| Furnas County Nebraska | 26 | $ 3,160,000 | $ 121,000 | $ 71,000 |
| Gage County Nebraska | 26 | $ 4,210,000 | $ 161,000 | $ 58,000 |
| Seward County Nebraska | 21 | $ 5,125,000 | $ 244,000 | $ 82,000 |
| Thurston County Nebraska | 21 | $ 2,335,000 | $ 111,000 | $ 76,000 |
| Frontier County Nebraska | 18 | $ 1,860,000 | $ 103,000 | $ 77,000 |
| Lincoln County Nebraska | 18 | $ 2,560,000 | $ 142,000 | $ 66,000 |
| Colfax County Nebraska | 17 | $ 2,585,000 | $ 152,000 | $ 61,000 |
| Saline County Nebraska | 15 | $ 2,655,000 | $ 177,000 | $ 74,000 |
| Butler County Nebraska | 14 | $ 1,630,000 | $ 116,000 | $ 107,000 |
| Hamilton County Nebraska | 14 | $ 2,470,000 | $ 176,000 | $ 73,000 |
| York County Nebraska | 13 | $ 2,125,000 | $ 163,000 | $ 66,000 |
| Boone County Nebraska | 12 | $ 1,630,000 | $ 135,000 | $ 57,000 |
| Nemaha County Nebraska | 12 | $ 1,640,000 | $ 136,000 | $ 78,000 |
| Clay County Nebraska | 11 | $ 1,165,000 | $ 105,000 | $ 59,000 |
| Knox County Nebraska | 11 | $ 1,305,000 | $ 118,000 | $ 71,000 |
| Mills County Iowa | 10 | $ 2,270,000 | $ 227,000 | $ 69,000 |
| Hitchcock County Nebraska | 10 | $ 1,880,000 | $ 188,000 | $ 83,000 |
| Nance County Nebraska | 10 | $ 1,420,000 | $ 142,000 | $ 53,000 |
| Custer County Nebraska | 9 | $ 1,185,000 | $ 131,000 | $ 53,000 |
| Antelope County Nebraska | 8 | $ 790,000 | $ 98,000 | $ 53,000 |
| Stanton County Nebraska | 8 | $ 1,260,000 | $ 157,000 | $ 72,000 |
| Maricopa County Arizona | 7 | $ 2,085,000 | $ 297,000 | $ 134,000 |
| Burt County Nebraska | 7 | $ 825,000 | $ 117,000 | $ 49,000 |
| Webster County Nebraska | 7 | $ 755,000 | $ 107,000 | $ 58,000 |
| Merrick County Nebraska | 6 | $ 590,000 | $ 98,000 | $ 58,000 |
| Pierce County Nebraska | 6 | $ 670,000 | $ 111,000 | $ 55,000 |
| Polk County Nebraska | 6 | $ 940,000 | $ 156,000 | $ 75,000 |
| Harrison County Iowa | 5 | $ 725,000 | $ 145,000 | $ 67,000 |
| Cedar County Nebraska | 5 | $ 525,000 | $ 105,000 | $ 53,000 |
| Dixon County Nebraska | 5 | $ 535,000 | $ 107,000 | $ 51,000 |
| Fillmore County Nebraska | 5 | $ 555,000 | $ 111,000 | $ 49,000 |
| Jefferson County Nebraska | 5 | $ 665,000 | $ 133,000 | $ 57,000 |
| El Paso County Colorado | 4 | $ 980,000 | $ 245,000 | $ 51,000 |
| Larimer County Colorado | 4 | $ 1,470,000 | $ 367,000 | $ 224,000 |
| Holt County Nebraska | 4 | $ 730,000 | $ 182,000 | $ 101,000 |
| Kearney County Nebraska | 4 | $ 460,000 | $ 115,000 | $ 51,000 |
| Phelps County Nebraska | 4 | $ 710,000 | $ 177,000 | $ 80,000 |
| Wayne County Nebraska | 4 | $ 560,000 | $ 140,000 | $ 81,000 |
| Weld County Colorado | 3 | $ 1,115,000 | $ 371,000 | $ 100,000 |
| Fremont County Iowa | 3 | $ 285,000 | $ 95,000 | $ 103,000 |
| Chase County Nebraska | 3 | $ 525,000 | $ 175,000 | $ 69,000 |
| Cherry County Nebraska | 3 | $ 335,000 | $ 111,000 | $ 29,000 |
| Greeley County Nebraska | 3 | $ 485,000 | $ 161,000 | $ 78,000 |
| Howard County Nebraska | 3 | $ 645,000 | $ 215,000 | $ 35,000 |
| Pinal County Arizona | 2 | $ 410,000 | $ 205,000 | $ 58,000 |
| Benton County Arkansas | 2 | $ 990,000 | $ 495,000 | $ 159,000 |
| Riverside County California | 2 | $ 830,000 | $ 415,000 | $ 314,000 |
| Dallas County Iowa | 2 | $ 560,000 | $ 280,000 | $ 183,000 |
| Polk County Iowa | 2 | $ 820,000 | $ 410,000 | $ 254,000 |
| Woodbury County Iowa | 2 | $ 720,000 | $ 360,000 | $ 163,000 |
| Decatur County Kansas | 2 | $ 490,000 | $ 245,000 | $ 90,000 |
| Waseca County Minnesota | 2 | $ 470,000 | $ 235,000 | $ 135,000 |
| Franklin County Nebraska | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Harlan County Nebraska | 2 | $ 250,000 | $ 125,000 | $ 35,000 |
| Hayes County Nebraska | 2 | $ 580,000 | $ 290,000 | $ 99,000 |
| Keith County Nebraska | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Sherman County Nebraska | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Thayer County Nebraska | 2 | $ 190,000 | $ 95,000 | $ 39,000 |
| Valley County Nebraska | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| Coconino County Arizona | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Pima County Arizona | 1 | $ 125,000 | $ 125,000 | $ 162,000 |
| Yavapai County Arizona | 1 | $ 435,000 | $ 435,000 | $ 120,000 |
| Alameda County California | 1 | $ 725,000 | $ 725,000 | $ 210,000 |
| Santa Clara County California | 1 | $ 385,000 | $ 385,000 | $ 124,000 |
| Arapahoe County Colorado | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Fremont County Colorado | 1 | $ 215,000 | $ 215,000 | $ 111,000 |
| Jefferson County Colorado | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Phillips County Colorado | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Hartford County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Lee County Florida | 1 | $ 405,000 | $ 405,000 | $ 130,000 |
| Santa Rosa County Florida | 1 | $ 235,000 | $ 235,000 | $ 38,000 |
| Cook County Illinois | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Crawford County Iowa | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Dickinson County Iowa | 1 | $ 315,000 | $ 315,000 | $ 370,000 |
| Floyd County Iowa | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Jasper County Iowa | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Johnson County Iowa | 1 | $ 255,000 | $ 255,000 | $ 365,000 |
| Monona County Iowa | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Page County Iowa | 1 | $ 155,000 | $ 155,000 | $ 67,000 |
| Johnson County Kansas | 1 | $ 425,000 | $ 425,000 | $ 201,000 |
| Miami County Kansas | 1 | $ 235,000 | $ 235,000 | $ 190,000 |
| Norton County Kansas | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| Thomas County Kansas | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Kenton County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Oceana County Michigan | 1 | $ 95,000 | $ 95,000 | $ 69,000 |
| Clay County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Douglas County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Hennepin County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 150,000 |
| Benton County Missouri | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Clay County Missouri | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| St. Louis City County Missouri | 1 | $ 315,000 | $ 315,000 | $ 159,000 |
| Stone County Missouri | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Brown County Nebraska | 1 | $ 95,000 | $ 95,000 | $ 206,000 |
| Dakota County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Dundy County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Garfield County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Gosper County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 127,000 |
| Johnson County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Loup County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 158,000 |
| Nuckolls County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Perkins County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Clark County Nevada | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Washoe County Nevada | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Dare County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 67,000 |
| Mecklenburg County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 275,000 |
| Lane County Oregon | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Bon Homme County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 138,000 |
| Brown County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Fall River County South Dakota | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Lincoln County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Davidson County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 150,000 |
| Denton County Texas | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Harris County Texas | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Tarrant County Texas | 1 | $ 225,000 | $ 225,000 | $ 291,000 |
| Williamson County Texas | 1 | $ 325,000 | $ 325,000 | $ 133,000 |
| Fremont County Wyoming | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
| Weston County Wyoming | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Charter West Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,306 | $426,970,000 | $185,000 | $2,345,000 | $80,000 | $1,661,000 |
| Refinancing | 1,474 | $326,860,000 | $221,000 | $1,965,000 | $103,000 | $1,150,000 |
| Cash-out Refinancing | 499 | $103,145,000 | $206,000 | $515,000 | $105,000 | $638,000 |
| Other Purpose | 11 | $1,615,000 | $146,000 | $515,000 | $91,000 | $180,000 |
| Home Improvement | 4 | $280,000 | $70,000 | $105,000 | $115,000 | $208,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,111 | $641,675,000 | $206,000 | $1,355,000 | $97,000 | $1,661,000 |
| Hispanic | 625 | $103,685,000 | $165,000 | $515,000 | $64,000 | $1,330,000 |
| Not Provided | 339 | $65,595,000 | $193,000 | $825,000 | $91,000 | $1,440,000 |
| Black or African American | 87 | $16,975,000 | $195,000 | $445,000 | $70,000 | $179,000 |
| Asian | 69 | $14,355,000 | $208,000 | $515,000 | $115,000 | $1,486,000 |
| Not applicable | 30 | $10,140,000 | $338,000 | $2,345,000 | $0 | $0 |
| American Indian or Alaskan Native | 20 | $3,230,000 | $161,000 | $435,000 | $50,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $330,000 | $165,000 | $175,000 | $62,000 | $77,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,056 | $632,130,000 | $206,000 | $2,345,000 | $104,000 | $1,661,000 |
| FHA-insured (Federal Housing Administration) | 690 | $116,610,000 | $169,000 | $335,000 | $61,000 | $1,330,000 |
| VA-guaranteed (Veterans Administration) | 323 | $82,045,000 | $254,000 | $555,000 | $61,000 | $959,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 225 | $28,085,000 | $124,000 | $445,000 | $49,000 | $180,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,376 | $689,860,000 | $204,000 | $2,345,000 | $91,000 | $1,543,000 |
| Application Withdrawn By Applicant | 592 | $114,450,000 | $193,000 | $845,000 | $99,000 | $1,661,000 |
| Application Denied By Financial Institution | 245 | $39,445,000 | $161,000 | $1,355,000 | $61,000 | $540,000 |
| File Closed For Incompleteness | 65 | $11,385,000 | $175,000 | $495,000 | $108,000 | $1,486,000 |
| Application Approved But Not Accepted | 16 | $3,730,000 | $233,000 | $515,000 | $101,000 | $236,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 4,049 | $819,425,000 | $202,000 | $2,345,000 | $93,000 | $1,661,000 |
| Credit History | 99 | $14,265,000 | $144,000 | $455,000 | $66,000 | $504,000 |
| Debt-To-Income Ratio | 78 | $13,390,000 | $171,000 | $345,000 | $40,000 | $101,000 |
| Collateral | 26 | $3,370,000 | $129,000 | $515,000 | $65,000 | $239,000 |
| Credit Application Incomplete | 9 | $1,695,000 | $188,000 | $455,000 | $125,000 | $360,000 |
| Employment History | 8 | $1,270,000 | $158,000 | $215,000 | $31,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $940,000 | $117,000 | $195,000 | $63,000 | $210,000 |
| Unverifiable Information | 8 | $2,560,000 | $320,000 | $1,355,000 | $125,000 | $540,000 |
| Mortgage Insurance Denied | 6 | $1,700,000 | $283,000 | $445,000 | $151,000 | $180,000 |
| Other | 3 | $255,000 | $85,000 | $125,000 | $56,000 | $69,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter West Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Charter West Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.