First Western Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Western Bank & Trust 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Western Bank & Trust 900 South Broadway Minot, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 1,616 |
| Total Mortgage Loan Application Amount | $424,140,000 |
| Average Mortgage Loan Application Amount | $207,800 |
| Highest Mortgage Loan Application Amount | $21,485,000 |
| Average Applicant Income | $109,800 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with First Western Bank & Trust. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Western Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down First Western Bank & Trust's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Western Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by First Western Bank & Trust, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Western Bank & Trust's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Crow Wing County Minnesota | 309 | $ 69,955,000 | $ 226,000 | $ 100,000 |
| Cass County North Dakota | 267 | $ 74,445,000 | $ 278,000 | $ 125,000 |
| Douglas County Minnesota | 174 | $ 39,230,000 | $ 225,000 | $ 92,000 |
| Ward County North Dakota | 150 | $ 32,600,000 | $ 217,000 | $ 100,000 |
| Burleigh County North Dakota | 136 | $ 41,910,000 | $ 308,000 | $ 130,000 |
| Cass County Minnesota | 78 | $ 19,780,000 | $ 253,000 | $ 140,000 |
| Clay County Minnesota | 64 | $ 11,190,000 | $ 174,000 | $ 137,000 |
| Morton County North Dakota | 34 | $ 13,260,000 | $ 390,000 | $ 139,000 |
| Hennepin County Minnesota | 25 | $ 16,245,000 | $ 649,000 | $ 207,000 |
| Otter Tail County Minnesota | 25 | $ 6,655,000 | $ 266,000 | $ 172,000 |
| Pope County Minnesota | 23 | $ 4,465,000 | $ 194,000 | $ 82,000 |
| Morrison County Minnesota | 21 | $ 4,055,000 | $ 193,000 | $ 71,000 |
| Becker County Minnesota | 19 | $ 4,835,000 | $ 254,000 | $ 167,000 |
| Todd County Minnesota | 17 | $ 2,585,000 | $ 152,000 | $ 55,000 |
| Aitkin County Minnesota | 15 | $ 2,695,000 | $ 179,000 | $ 71,000 |
| McLean County North Dakota | 13 | $ 1,775,000 | $ 136,000 | $ 141,000 |
| Anoka County Minnesota | 12 | $ 3,020,000 | $ 251,000 | $ 139,000 |
| Grant County Minnesota | 12 | $ 2,040,000 | $ 170,000 | $ 73,000 |
| Stearns County Minnesota | 11 | $ 2,265,000 | $ 205,000 | $ 95,000 |
| Bottineau County North Dakota | 10 | $ 1,950,000 | $ 195,000 | $ 132,000 |
| McHenry County North Dakota | 10 | $ 1,560,000 | $ 156,000 | $ 90,000 |
| Maricopa County Arizona | 9 | $ 2,935,000 | $ 326,000 | $ 192,000 |
| Wadena County Minnesota | 9 | $ 1,475,000 | $ 163,000 | $ 84,000 |
| Ramsey County Minnesota | 7 | $ 22,755,000 | $ 3,250,000 | $ 79,000 |
| Carver County Minnesota | 6 | $ 2,090,000 | $ 348,000 | $ 206,000 |
| Dakota County Minnesota | 6 | $ 1,880,000 | $ 313,000 | $ 99,000 |
| Hubbard County Minnesota | 6 | $ 1,140,000 | $ 190,000 | $ 145,000 |
| Norman County Minnesota | 6 | $ 820,000 | $ 136,000 | $ 40,000 |
| Mille Lacs County Minnesota | 5 | $ 1,235,000 | $ 247,000 | $ 187,000 |
| Stevens County Minnesota | 5 | $ 575,000 | $ 115,000 | $ 51,000 |
| Wright County Minnesota | 5 | $ 1,465,000 | $ 293,000 | $ 163,000 |
| Grand Forks County North Dakota | 5 | $ 1,335,000 | $ 267,000 | $ 125,000 |
| Richland County North Dakota | 5 | $ 945,000 | $ 189,000 | $ 99,000 |
| Stutsman County North Dakota | 5 | $ 1,495,000 | $ 299,000 | $ 105,000 |
| Mercer County North Dakota | 4 | $ 710,000 | $ 177,000 | $ 169,000 |
| Renville County North Dakota | 4 | $ 700,000 | $ 175,000 | $ 65,000 |
| Boone County Indiana | 3 | $ 525,000 | $ 175,000 | $ 143,000 |
| Benton County Minnesota | 3 | $ 565,000 | $ 188,000 | $ 152,000 |
| Kandiyohi County Minnesota | 3 | $ 765,000 | $ 255,000 | $ 81,000 |
| Oliver County North Dakota | 3 | $ 385,000 | $ 128,000 | $ 84,000 |
| Lawrence County South Dakota | 3 | $ 895,000 | $ 298,000 | $ 211,000 |
| Johnson County Kansas | 2 | $ 660,000 | $ 330,000 | $ 193,000 |
| Brown County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 59,000 |
| Goodhue County Minnesota | 2 | $ 820,000 | $ 410,000 | $ 76,000 |
| Lac qui Parle County Minnesota | 2 | $ 490,000 | $ 245,000 | $ 53,000 |
| Meeker County Minnesota | 2 | $ 280,000 | $ 140,000 | $ 61,000 |
| Polk County Minnesota | 2 | $ 100,000 | $ 50,000 | $ 0 |
| St. Louis County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 124,000 |
| Traverse County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 119,000 |
| Washington County Minnesota | 2 | $ 710,000 | $ 355,000 | $ 132,000 |
| Barnes County North Dakota | 2 | $ 760,000 | $ 380,000 | $ 98,000 |
| Mountrail County North Dakota | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| Steele County North Dakota | 2 | $ 310,000 | $ 155,000 | $ 47,000 |
| Traill County North Dakota | 2 | $ 230,000 | $ 115,000 | $ 57,000 |
| Williams County North Dakota | 2 | $ 3,060,000 | $ 1,530,000 | $ 66,000 |
| St. Croix County Wisconsin | 2 | $ 340,000 | $ 170,000 | $ 89,000 |
| Coconino County Arizona | 1 | $ 405,000 | $ 405,000 | $ 67,000 |
| Denver County Colorado | 1 | $ 305,000 | $ 305,000 | $ 58,000 |
| Weld County Colorado | 1 | $ 145,000 | $ 145,000 | $ 219,000 |
| Brevard County Florida | 1 | $ 325,000 | $ 325,000 | $ 89,000 |
| Lake County Florida | 1 | $ 215,000 | $ 215,000 | $ 231,000 |
| Monroe County Florida | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Nassau County Florida | 1 | $ 355,000 | $ 355,000 | $ 182,000 |
| Palm Beach County Florida | 1 | $ 355,000 | $ 355,000 | $ 100,000 |
| Polk County Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Volusia County Florida | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Cook County Illinois | 1 | $ 375,000 | $ 375,000 | $ 104,000 |
| Blackford County Indiana | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Clay County Iowa | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Dallas County Iowa | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Pottawattamie County Iowa | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Warren County Iowa | 1 | $ 125,000 | $ 125,000 | $ 137,000 |
| Oldham County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 229,000 |
| Ionia County Michigan | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
| Beltrami County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Big Stone County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 93,000 |
| Carlton County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Cottonwood County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Itasca County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Kittson County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Koochiching County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 166,000 |
| Le Sueur County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 163,000 |
| McLeod County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 115,000 |
| Pine County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Pipestone County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Lafayette County Mississippi | 1 | $ 275,000 | $ 275,000 | $ 414,000 |
| Park County Montana | 1 | $ 545,000 | $ 545,000 | $ 1,500,000 |
| Ravalli County Montana | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Scotts Bluff County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Clark County Nevada | 1 | $ 175,000 | $ 175,000 | $ 148,000 |
| Benson County North Dakota | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Burke County North Dakota | 1 | $ 365,000 | $ 365,000 | $ 132,000 |
| Dickey County North Dakota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Divide County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Emmons County North Dakota | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Foster County North Dakota | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| LaMoure County North Dakota | 1 | $ 185,000 | $ 185,000 | $ 176,000 |
| Ramsey County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Ransom County North Dakota | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Rolette County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Sargent County North Dakota | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Stark County North Dakota | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Wells County North Dakota | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Brown County South Dakota | 1 | $ 325,000 | $ 325,000 | $ 170,000 |
| Deuel County South Dakota | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Dewey County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Walworth County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 305,000 |
| Campbell County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 165,000 |
| Marshall County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Sumner County Tennessee | 1 | $ 415,000 | $ 415,000 | $ 103,000 |
| Montgomery County Texas | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Palo Pinto County Texas | 1 | $ 365,000 | $ 365,000 | $ 94,000 |
| Cowlitz County Washington | 1 | $ 535,000 | $ 535,000 | $ 104,000 |
| Outagamie County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Pierce County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for First Western Bank & Trust in 2021
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 | 866 | $217,610,000 | $251,000 | $8,415,000 | $104,000 | $971,000 |
| Refinancing | 469 | $145,205,000 | $309,000 | $21,485,000 | $129,000 | $1,116,000 |
| Cash-out Refinancing | 230 | $54,850,000 | $238,000 | $545,000 | $128,000 | $1,500,000 |
| Other Purpose | 33 | $4,645,000 | $140,000 | $445,000 | $94,000 | $234,000 |
| Home Improvement | 18 | $1,830,000 | $101,000 | $505,000 | $94,000 | $184,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 1,327 | $305,575,000 | $230,000 | $1,265,000 | $114,000 | $1,500,000 |
| Not applicable | 162 | $88,440,000 | $545,000 | $21,485,000 | $0 | $0 |
| Not Provided | 55 | $13,195,000 | $239,000 | $545,000 | $154,000 | $1,076,000 |
| Hispanic | 32 | $6,860,000 | $214,000 | $545,000 | $71,000 | $229,000 |
| Black or African American | 19 | $5,225,000 | $275,000 | $545,000 | $114,000 | $485,000 |
| Asian | 12 | $3,470,000 | $289,000 | $495,000 | $118,000 | $221,000 |
| American Indian or Alaskan Native | 8 | $1,310,000 | $163,000 | $435,000 | $79,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $27,000 | $27,000 |
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) | 1,382 | $372,920,000 | $269,000 | $21,485,000 | $123,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 83 | $16,325,000 | $196,000 | $345,000 | $62,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 81 | $22,265,000 | $274,000 | $595,000 | $83,000 | $216,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $12,630,000 | $180,000 | $305,000 | $51,000 | $97,000 |
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 | 1,366 | $367,390,000 | $268,000 | $21,485,000 | $118,000 | $1,208,000 |
| Application Withdrawn By Applicant | 178 | $40,530,000 | $227,000 | $755,000 | $106,000 | $1,500,000 |
| Application Denied By Financial Institution | 58 | $13,680,000 | $235,000 | $545,000 | $63,000 | $204,000 |
| Application Approved But Not Accepted | 13 | $2,415,000 | $185,000 | $435,000 | $116,000 | $221,000 |
| File Closed For Incompleteness | 1 | $125,000 | $125,000 | $125,000 | $45,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,558 | $410,460,000 | $263,000 | $21,485,000 | $117,000 | $1,500,000 |
| Debt-To-Income Ratio | 27 | $7,125,000 | $263,000 | $545,000 | $50,000 | $152,000 |
| Credit History | 14 | $2,310,000 | $165,000 | $285,000 | $63,000 | $132,000 |
| Collateral | 9 | $2,435,000 | $270,000 | $545,000 | $101,000 | $204,000 |
| Other | 5 | $1,285,000 | $257,000 | $495,000 | $92,000 | $145,000 |
| Employment History | 2 | $260,000 | $130,000 | $155,000 | $56,000 | $58,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Bank & Trust's 2021 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 & Trust'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 North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.