West Bank
West Bank received 65 applications in 2025 and made 55 mortgages, in 9 counties across 8 states. The median rate its borrowers got was Not published on a median loan of $535,000. Of 62 decisions, 6 were denials — 9.7%. 22 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 89Z2WRK82BORVH42CP71 |
|---|---|
| Applications received | 65 |
| Mortgages made | 55 |
| Denied | 6 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: West Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 36 | Not published | $525,000 | 2.7% |
| Refinancing | 16 | Not published | $500,000 | 11.1% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 42.9% |
Where West Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, IA | 15 | Not published | 0.0% |
| Polk County, IA | 8 | Under 10 loans | 18.2% |
| Dallas County, IA | 3 | Under 10 loans | 25.0% |
| Olmsted County, MN | 3 | Under 10 loans | 25.0% |
| Stearns County, MN | 3 | Under 10 loans | 25.0% |
| Benton County, MN | 1 | Under 10 loans | 0.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Guthrie County, IA | 0 | Under 10 loans | Not published |
| Warren County, IA | 0 | Under 10 loans | Not published |
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When West 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.