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CHARTER WEST BANK
Bank|West Point, NE|Multi-Region
Loans Originated
1,498
Applications
2,139
Volume
$367 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.326%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,457
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Report Card
CHARTER WEST BANK performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Exceptional | Multi-Regional · 5 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$245,154
Average Borrower Income
$101,771
Average Property Value
$285,741
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 835 | 55.7% | +0.375% | $1,511 |
FHA Loans | Strong | Exceptional | Strong | Strong | 516 | 34.4% | +0.480% | $1,376 |
VA Loans | Strong | Strong | Strong | Strong | 124 | 8.3% | -0.425% | $1,285 |
USDA Loans | Sound | Strong | N/A | Sound | 23 | 1.5% | -0.076% | $1,539 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,392 | 92.9% | +0.308% | $1,442 |
Refinance | Sound | Strong | Sound | Sound | 106 | 7.1% | +0.500% | $1,606 |
Geographic Coverage
Metro Areas
4
States Served
14
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
ARAZCOFLIAKSMNMOMSNEORSDTXWI
Top Metro Areas by Place Specialization Score
1
Omaha, NE, NE-IAMSA
Volume: 750Mix: 50.07%
Place Specialization
Exceptional
2
Grand Island, NE, NEMSA
Volume: 66Mix: 4.41%
Place Specialization
Exceptional
3
Lincoln, NE, NEMSA
Volume: 184Mix: 12.28%
Place Specialization
Exceptional
4
Sioux City, IAMSA
Volume: 22Mix: 1.47%
Place Specialization
Sound
Top States by Place Specialization Score
1
NEState
Volume: 1,346Mix: 89.85%
Place Specialization
Exceptional
2
IAState
Volume: 122Mix: 8.14%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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