Applications / Mortgage Analytics / Lenders / Nebraska / CharterWest Bank
West Point, NE · State member bank · FRS · $508 million assets · 1,836 loans in 2025
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1,836
loans originated, 2025
2,609
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CharterWest Bank is a Nebraska home-purchase lender that relies on government-backed loans far more than similar banks and makes a larger share of its loans to low- and moderate-income borrowers than any of them.
Home purchases were 89.9% of its loans. FHA loans (insured by the Federal Housing Administration) were 27.9%, against 2.1% at similar lenders (state member banks making between half and twice as many loans), higher than nearly all of them; VA loans (guaranteed by the Department of Veterans Affairs) were 7.6%, against 0.5%. Conventional loans were 63.0%, against 96.9% at peers.
LMI (low- and moderate-income) borrowers took 42.7% of its loans, against 26.2% at similar lenders, the highest share among them, and up from 36.6% five years before. LMI areas took 18.2% and majority-minority areas 11.9%, against 15.1% and 7.7% at peers.
Originations rose 16% to 1,836, against 7% at similar lenders and 10% for the whole market, faster than about three-quarters of them. Volume is still about half the 3,376 of 2020.
It ranked 8 of 417 lenders in Omaha, with 3.0% of lending against 3.7% the year before, and 3 of 112 in Grand Island, at 5.6% against 6.3%. It ranked 4 of 341 in non-metro Nebraska. Its share rose 0.3 points in Des Moines-West Des Moines; growth outside its Nebraska cities is one possible reason its shares there fell while its total volume rose.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CharterWest Bank took 2,609 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.9% · Refinance 9.5% · Home improvement 0.4% · Other 0.2%
Conventional 63.0% · FHA 27.9% · VA 7.6% · USDA (RHS or FSA) 1.5% · of 1,836 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 1,606 | 87.5% |
| Iowa | 200 | 10.9% |
| Kansas | 8 | 0.4% |
| South Dakota | 7 | 0.4% |
| Florida | 3 | 0.2% |
| Minnesota | 2 | 0.1% |
| Missouri | 2 | 0.1% |
| Nevada | 2 | 0.1% |
| Arizona | 1 | 0.1% |
| Colorado | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 859 |
| Lincoln | 173 |
| Grand Island | 76 |
| Sioux City | 58 |
| Des Moines-West Des Moines | 57 |
| Kansas City | 3 |
| Ames | 2 |
| Denver-Aurora-Centennial | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Las Cruces | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GG5XNEIGHQTG04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 582953 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118601 | 2005–2014 |
| Respondent ID (the HMDA filer code before 2018) | 2582953 | 2015–2017 |
Established 1 April 1985. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: CharterWest Bank's data.
CharterWest Bank's data
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