First Western Bank Mortgage Lending & HMDA Data, 2018
In 2018, First Western Bank of Rogers, AR reported 197 mortgage applications totaling $39.9 million, up 5% from 2017. The average application was for $202,715, and applicants reported an average income of $148,715. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (115), Fort Smith, AR-OK (46) and Hot Springs, AR (1) (applications in parentheses).
| Mortgage Company & Address | First Western Bank 401 W Walnut St Rogers, AR 72756 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 197 |
| Total Mortgage Loan Application Amount | $39,935,000 |
| Average Mortgage Loan Application Amount | $202,715 |
| Highest Mortgage Loan Application Amount | $2,825,000 |
| Average Applicant Income | $148,715 |
| Highest Applicant Income | $787,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Western Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Benton, Arkansas | 66 | $ 10,850,000 | $ 164,393 | $ 173,000 |
| Washington, Arkansas | 48 | $ 15,240,000 | $ 317,500 | $ 272,000 |
| Sebastian, Arkansas | 41 | $ 9,055,000 | $ 220,853 | $ 108,000 |
| Logan, Arkansas | 29 | $ 2,455,000 | $ 84,655 | $ 79,000 |
| Crawford, Arkansas | 5 | $ 1,855,000 | $ 371,000 | $ 203,000 |
| Franklin, Arkansas | 4 | $ 140,000 | $ 35,000 | $ 52,000 |
| Garland, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 279,000 |
| Pope, Arkansas | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Barry, Missouri | 1 | $ 115,000 | $ 115,000 | $ 0 |
| McDonald, Missouri | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for First Western Bank in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 134 | $26,180,000 | $195,000 | $1,785,000 | $149,000 | $787,000 |
| Refinancing | 49 | $12,525,000 | $255,000 | $2,825,000 | $156,000 | $676,000 |
| Other Purpose | 7 | $325,000 | $46,000 | $125,000 | $74,000 | $166,000 |
| Home Improvement | 7 | $905,000 | $129,000 | $595,000 | $167,000 | $279,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 106 | $27,600,000 | $260,000 | $2,825,000 | $0 | $0 |
| White | 84 | $11,790,000 | $140,000 | $1,785,000 | $153,000 | $787,000 |
| Hispanic | 3 | $145,000 | $48,000 | $65,000 | $76,000 | $130,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $145,000 | $62,000 | $74,000 |
| Asian | 2 | $130,000 | $65,000 | $95,000 | $74,000 | $108,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 197 | $39,935,000 | $202,000 | $2,825,000 | $146,000 | $787,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 180 | $38,400,000 | $213,000 | $2,825,000 | $150,000 | $787,000 |
| Application Withdrawn By Applicant | 8 | $410,000 | $51,000 | $95,000 | $146,000 | $290,000 |
| Application Approved But Not Accepted | 7 | $865,000 | $123,000 | $195,000 | $52,000 | $79,000 |
| Application Denied By Financial Institution | 2 | $260,000 | $130,000 | $225,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 197 | $39,935,000 | $202,000 | $2,825,000 | $146,000 | $787,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Western Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Arkansas, download the full spreadsheet
with aggregated HMDA statistics today.
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