MidWestOne Bank received 2,124 applications in 2025 and made
1,521 mortgages, in 129 counties across 12 states.
The median rate its borrowers got was 5.990% on a median loan of $125,000.
Of 1,935 decisions, 369 were denials — 19.1%, most often for debt-to-income ratio.
Legal Entity Identifier
549300LZLYU85WF65870
Applications received
2,124
Mortgages made
1,521
Denied
369
Approved, not taken up
45
Withdrawn or incomplete
189
Loans bought from other lenders
17
Median rate spread over the prime offer rate
-1.1 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
540
6.375%
$205,000
9.2%
Refinancing
411
5.990%
$105,000
14.8%
Cash-out refinancing
44
6.500%
$180,000
24.1%
Other purposes
526
5.990%
$85,000
29.3%
Where MidWestOne Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When MidWestOne Bank’s figures are published for the next year, or restated.
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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.