Charter West Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Charter West Bank 2022 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 | 2,268 |
| Total Mortgage Loan Application Amount | $517,020,000 |
| Average Mortgage Loan Application Amount | $190,600 |
| Highest Mortgage Loan Application Amount | $4,205,000 |
| Average Applicant Income | $105,400 |
| Highest Applicant Income | $1,596,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 707 | $ 179,285,000 | $ 253,000 | $ 105,000 |
| Sarpy County Nebraska | 276 | $ 75,680,000 | $ 274,000 | $ 113,000 |
| Lancaster County Nebraska | 248 | $ 59,310,000 | $ 239,000 | $ 110,000 |
| Hall County Nebraska | 124 | $ 23,830,000 | $ 192,000 | $ 66,000 |
| Platte County Nebraska | 97 | $ 20,415,000 | $ 210,000 | $ 79,000 |
| Pottawattamie County Iowa | 96 | $ 17,770,000 | $ 185,000 | $ 67,000 |
| Adams County Nebraska | 78 | $ 14,330,000 | $ 183,000 | $ 80,000 |
| Red Willow County Nebraska | 70 | $ 10,570,000 | $ 151,000 | $ 66,000 |
| Cass County Nebraska | 37 | $ 10,665,000 | $ 288,000 | $ 125,000 |
| Dawson County Nebraska | 28 | $ 4,480,000 | $ 160,000 | $ 69,000 |
| Cuming County Nebraska | 27 | $ 4,075,000 | $ 150,000 | $ 81,000 |
| Dodge County Nebraska | 24 | $ 4,290,000 | $ 178,000 | $ 91,000 |
| Madison County Nebraska | 23 | $ 3,985,000 | $ 173,000 | $ 66,000 |
| Furnas County Nebraska | 18 | $ 2,400,000 | $ 133,000 | $ 71,000 |
| Gage County Nebraska | 18 | $ 3,360,000 | $ 186,000 | $ 76,000 |
| Otoe County Nebraska | 18 | $ 3,010,000 | $ 167,000 | $ 63,000 |
| Mills County Iowa | 16 | $ 4,310,000 | $ 269,000 | $ 81,000 |
| Saline County Nebraska | 15 | $ 2,975,000 | $ 198,000 | $ 68,000 |
| Washington County Nebraska | 15 | $ 4,355,000 | $ 290,000 | $ 101,000 |
| Lincoln County Nebraska | 14 | $ 2,870,000 | $ 205,000 | $ 141,000 |
| Saunders County Nebraska | 14 | $ 3,600,000 | $ 257,000 | $ 128,000 |
| Thurston County Nebraska | 13 | $ 2,185,000 | $ 168,000 | $ 154,000 |
| Buffalo County Nebraska | 12 | $ 3,840,000 | $ 320,000 | $ 119,000 |
| Harrison County Iowa | 9 | $ 1,635,000 | $ 181,000 | $ 73,000 |
| Butler County Nebraska | 9 | $ 1,575,000 | $ 175,000 | $ 64,000 |
| Clay County Nebraska | 9 | $ 1,305,000 | $ 145,000 | $ 71,000 |
| Hamilton County Nebraska | 9 | $ 1,655,000 | $ 183,000 | $ 66,000 |
| Seward County Nebraska | 9 | $ 2,015,000 | $ 223,000 | $ 71,000 |
| Maricopa County Arizona | 8 | $ 2,880,000 | $ 360,000 | $ 150,000 |
| Chase County Nebraska | 8 | $ 1,340,000 | $ 167,000 | $ 75,000 |
| Dixon County Nebraska | 8 | $ 900,000 | $ 112,000 | $ 71,000 |
| Frontier County Nebraska | 8 | $ 880,000 | $ 110,000 | $ 58,000 |
| Wayne County Nebraska | 8 | $ 1,130,000 | $ 141,000 | $ 66,000 |
| Boone County Nebraska | 7 | $ 1,175,000 | $ 167,000 | $ 56,000 |
| Burt County Nebraska | 7 | $ 835,000 | $ 119,000 | $ 70,000 |
| Merrick County Nebraska | 7 | $ 1,235,000 | $ 176,000 | $ 80,000 |
| Nemaha County Nebraska | 7 | $ 825,000 | $ 117,000 | $ 119,000 |
| Cass County Iowa | 6 | $ 620,000 | $ 103,000 | $ 47,000 |
| Hitchcock County Nebraska | 6 | $ 1,030,000 | $ 171,000 | $ 83,000 |
| Howard County Nebraska | 6 | $ 1,040,000 | $ 173,000 | $ 76,000 |
| Knox County Nebraska | 6 | $ 710,000 | $ 118,000 | $ 63,000 |
| York County Nebraska | 6 | $ 1,300,000 | $ 216,000 | $ 63,000 |
| Fremont County Iowa | 5 | $ 555,000 | $ 111,000 | $ 79,000 |
| Colfax County Nebraska | 5 | $ 835,000 | $ 167,000 | $ 63,000 |
| Polk County Iowa | 4 | $ 1,580,000 | $ 395,000 | $ 130,000 |
| Fillmore County Nebraska | 4 | $ 480,000 | $ 120,000 | $ 42,000 |
| Gosper County Nebraska | 4 | $ 830,000 | $ 207,000 | $ 90,000 |
| Polk County Nebraska | 4 | $ 640,000 | $ 160,000 | $ 45,000 |
| Stanton County Nebraska | 4 | $ 860,000 | $ 215,000 | $ 54,000 |
| Pinal County Arizona | 3 | $ 1,115,000 | $ 371,000 | $ 263,000 |
| Montgomery County Iowa | 3 | $ 425,000 | $ 141,000 | $ 71,000 |
| Page County Iowa | 3 | $ 305,000 | $ 101,000 | $ 54,000 |
| Shelby County Iowa | 3 | $ 425,000 | $ 141,000 | $ 185,000 |
| Decatur County Kansas | 3 | $ 415,000 | $ 138,000 | $ 46,000 |
| Custer County Nebraska | 3 | $ 465,000 | $ 155,000 | $ 45,000 |
| Franklin County Nebraska | 3 | $ 365,000 | $ 121,000 | $ 86,000 |
| Johnson County Nebraska | 3 | $ 235,000 | $ 78,000 | $ 84,000 |
| Kearney County Nebraska | 3 | $ 425,000 | $ 141,000 | $ 72,000 |
| Pierce County Nebraska | 3 | $ 575,000 | $ 191,000 | $ 79,000 |
| Benton County Arkansas | 2 | $ 1,180,000 | $ 590,000 | $ 166,000 |
| Pulaski County Arkansas | 2 | $ 440,000 | $ 220,000 | $ 199,000 |
| Johnson County Kansas | 2 | $ 970,000 | $ 485,000 | $ 132,000 |
| Antelope County Nebraska | 2 | $ 330,000 | $ 165,000 | $ 105,000 |
| Cedar County Nebraska | 2 | $ 340,000 | $ 170,000 | $ 54,000 |
| Dakota County Nebraska | 2 | $ 150,000 | $ 75,000 | $ 79,000 |
| Jefferson County Nebraska | 2 | $ 180,000 | $ 90,000 | $ 53,000 |
| Phelps County Nebraska | 2 | $ 290,000 | $ 145,000 | $ 60,000 |
| Webster County Nebraska | 2 | $ 220,000 | $ 110,000 | $ 85,000 |
| Clark County Nevada | 2 | $ 690,000 | $ 345,000 | $ 127,000 |
| Montgomery County Texas | 2 | $ 490,000 | $ 245,000 | $ 133,000 |
| Mohave County Arizona | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Boone County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Carroll County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 135,000 |
| Denver County Colorado | 1 | $ 515,000 | $ 515,000 | $ 112,000 |
| Douglas County Colorado | 1 | $ 305,000 | $ 305,000 | $ 48,000 |
| El Paso County Colorado | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Brevard County Florida | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Clay County Florida | 1 | $ 445,000 | $ 445,000 | $ 129,000 |
| Okaloosa County Florida | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Santa Rosa County Florida | 1 | $ 465,000 | $ 465,000 | $ 101,000 |
| Walton County Florida | 1 | $ 455,000 | $ 455,000 | $ 197,000 |
| Madison County Illinois | 1 | $ 375,000 | $ 375,000 | $ 105,000 |
| Allen County Indiana | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Adair County Iowa | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Crawford County Iowa | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Wapello County Iowa | 1 | $ 115,000 | $ 115,000 | $ 456,000 |
| Woodbury County Iowa | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Barton County Kansas | 1 | $ 645,000 | $ 645,000 | $ 271,000 |
| Marshall County Kansas | 1 | $ 275,000 | $ 275,000 | $ 119,000 |
| Orleans County Louisiana | 1 | $ 645,000 | $ 645,000 | $ 280,000 |
| Dakota County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Otter Tail County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Hinds County Mississippi | 1 | $ 535,000 | $ 535,000 | $ 103,000 |
| Barry County Missouri | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Callaway County Missouri | 1 | $ 385,000 | $ 385,000 | $ 160,000 |
| Camden County Missouri | 1 | $ 375,000 | $ 375,000 | $ 190,000 |
| Clay County Missouri | 1 | $ 175,000 | $ 175,000 | $ 13,000 |
| Jackson County Missouri | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Miller County Missouri | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| St. Louis County Missouri | 1 | $ 335,000 | $ 335,000 | $ 202,000 |
| Cheyenne County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Harlan County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 18,000 |
| Holt County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Nance County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 99,000 |
| Richardson County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Rock County Nebraska | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Scotts Bluff County Nebraska | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Valley County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 57,000 |
| Bernalillo County New Mexico | 1 | $ 215,000 | $ 215,000 | $ 180,000 |
| Brunswick County North Carolina | 1 | $ 645,000 | $ 645,000 | $ 665,000 |
| Mecklenburg County North Carolina | 1 | $ 645,000 | $ 645,000 | $ 370,000 |
| Comanche County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 103,000 |
| Clearfield County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Mercer County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Lake County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Minnehaha County South Dakota | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Yankton County South Dakota | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Shelby County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 66,000 |
| Harris County Texas | 1 | $ 685,000 | $ 685,000 | $ 385,000 |
| Virginia Beach County Virginia | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Brooke County West Virginia | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Calhoun County West Virginia | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Ritchie County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Upshur County West Virginia | 1 | $ 285,000 | $ 285,000 | $ 84,000 |
| Laramie County Wyoming | 1 | $ 315,000 | $ 315,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Charter West Bank in 2022
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 | 1,888 | $434,470,000 | $230,000 | $1,825,000 | $94,000 | $1,596,000 |
| Cash-out Refinancing | 184 | $34,950,000 | $189,000 | $645,000 | $104,000 | $752,000 |
| Refinancing | 169 | $43,865,000 | $259,000 | $4,205,000 | $114,000 | $1,005,000 |
| Other Purpose | 17 | $2,385,000 | $140,000 | $375,000 | $107,000 | $312,000 |
| Home Improvement | 10 | $1,350,000 | $135,000 | $455,000 | $108,000 | $260,000 |
| 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 | 1,409 | $326,665,000 | $231,000 | $1,455,000 | $105,000 | $1,276,000 |
| Hispanic | 428 | $82,760,000 | $193,000 | $865,000 | $65,000 | $412,000 |
| Not Provided | 247 | $57,415,000 | $232,000 | $805,000 | $102,000 | $1,596,000 |
| Not applicable | 74 | $23,900,000 | $322,000 | $4,205,000 | $0 | $0 |
| Black or African American | 61 | $15,545,000 | $254,000 | $625,000 | $78,000 | $188,000 |
| Asian | 30 | $7,220,000 | $240,000 | $545,000 | $109,000 | $350,000 |
| American Indian or Alaskan Native | 13 | $2,015,000 | $155,000 | $545,000 | $82,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $235,000 | $235,000 | $235,000 | $56,000 | $56,000 |
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) | 1,502 | $353,600,000 | $235,000 | $4,205,000 | $109,000 | $1,596,000 |
| FHA-insured (Federal Housing Administration) | 511 | $103,245,000 | $202,000 | $425,000 | $68,000 | $230,000 |
| VA-guaranteed (Veterans Administration) | 148 | $44,680,000 | $301,000 | $715,000 | $94,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 107 | $15,495,000 | $144,000 | $265,000 | $54,000 | $105,000 |
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 | 1,779 | $407,685,000 | $229,000 | $4,205,000 | $94,000 | $1,276,000 |
| Application Withdrawn By Applicant | 353 | $82,135,000 | $232,000 | $1,005,000 | $108,000 | $1,596,000 |
| Application Denied By Financial Institution | 102 | $20,590,000 | $201,000 | $725,000 | $69,000 | $255,000 |
| File Closed For Incompleteness | 18 | $2,700,000 | $150,000 | $345,000 | $72,000 | $250,000 |
| Application Approved But Not Accepted | 16 | $3,910,000 | $244,000 | $625,000 | $205,000 | $1,005,000 |
| 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 | 2,166 | $496,430,000 | $229,000 | $4,205,000 | $97,000 | $1,596,000 |
| Debt-To-Income Ratio | 39 | $8,175,000 | $209,000 | $625,000 | $53,000 | $203,000 |
| Credit History | 33 | $6,195,000 | $187,000 | $355,000 | $77,000 | $255,000 |
| Collateral | 12 | $2,100,000 | $175,000 | $305,000 | $77,000 | $146,000 |
| Other | 6 | $1,560,000 | $260,000 | $375,000 | $123,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,515,000 | $303,000 | $725,000 | $110,000 | $228,000 |
| Unverifiable Information | 4 | $780,000 | $195,000 | $415,000 | $49,000 | $103,000 |
| Employment History | 3 | $265,000 | $88,000 | $155,000 | $17,000 | $33,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter West Bank's 2022 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.
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with aggregated HMDA statistics today.