Midwest Heritage Bank, FSB
Midwest Heritage Bank, FSB received 328 applications in 2025 and made 228 mortgages, in 95 counties across 17 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 280 decisions, 51 were denials — 18.2%, most often for credit history.
| Legal Entity Identifier | 254900FI363837PZX856 |
|---|---|
| Applications received | 328 |
| Mortgages made | 228 |
| Denied | 51 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Midwest Heritage Bank, FSB, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 149 | Not published | $275,000 | 11.3% |
| Refinancing | 31 | Not published | $85,000 | 20.5% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 46 | Not published | $45,000 | 32.9% |
Where Midwest Heritage Bank, FSB lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Polk County, IA | 41 | Not published | 16.3% |
| Dallas County, IA | 36 | Not published | 7.7% |
| Lucas County, IA | 23 | Not published | 27.3% |
| Warren County, IA | 10 | Not published | 23.1% |
| Douglas County, NE | 7 | Under 10 loans | 22.2% |
| Wayne County, IA | 6 | Under 10 loans | 25.0% |
| Maricopa County, AZ | 4 | Under 10 loans | 0.0% |
| Scott County, IA | 4 | Under 10 loans | 20.0% |
| Jackson County, MO | 4 | Under 10 loans | 0.0% |
| Minnehaha County, SD | 4 | Under 10 loans | 0.0% |
| Clarke County, IA | 3 | Under 10 loans | 0.0% |
| Guthrie County, IA | 3 | Under 10 loans | 0.0% |
| Linn County, IA | 3 | Under 10 loans | 0.0% |
| Marion County, IA | 3 | Under 10 loans | 0.0% |
| Johnson County, KS | 3 | Under 10 loans | 0.0% |
| Dakota County, MN | 3 | Under 10 loans | 0.0% |
| Olmsted County, MN | 3 | Under 10 loans | 0.0% |
| Clay County, MO | 3 | Under 10 loans | 0.0% |
| Sarpy County, NE | 3 | Under 10 loans | 0.0% |
| Dickinson County, IA | 2 | Under 10 loans | 0.0% |
| Grundy County, IA | 2 | Under 10 loans | 0.0% |
| Story County, IA | 2 | Under 10 loans | 33.3% |
| Summit County, CO | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Adams County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Ogle County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 0.0% |
| Rock Island County, IL | 1 | Under 10 loans | 50.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Adams County, IA | 1 | Under 10 loans | 0.0% |
| Benton County, IA | 1 | Under 10 loans | 0.0% |
| Bremer County, IA | 1 | Under 10 loans | 0.0% |
| Buena Vista County, IA | 1 | Under 10 loans | 0.0% |
| Carroll County, IA | 1 | Under 10 loans | 0.0% |
| Cherokee County, IA | 1 | Under 10 loans | 50.0% |
| Decatur County, IA | 1 | Under 10 loans | 0.0% |
| Delaware County, IA | 1 | Under 10 loans | 0.0% |
| Des Moines County, IA | 1 | Under 10 loans | 50.0% |
| Hancock County, IA | 1 | Under 10 loans | 0.0% |
| Howard County, IA | 1 | Under 10 loans | 0.0% |
| Jackson County, IA | 1 | Under 10 loans | 0.0% |
| Madison County, IA | 1 | Under 10 loans | 66.7% |
| Monroe County, IA | 1 | Under 10 loans | 0.0% |
| Muscatine County, IA | 1 | Under 10 loans | 0.0% |
| Page County, IA | 1 | Under 10 loans | 0.0% |
| Pottawattamie County, IA | 1 | Under 10 loans | 66.7% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.