First Western Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Western Bank & Trust 2023 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 | 748 |
| Total Mortgage Loan Application Amount | $198,990,000 |
| Average Mortgage Loan Application Amount | $225,200 |
| Highest Mortgage Loan Application Amount | $7,995,000 |
| Average Applicant Income | $156,000 |
| Highest Applicant Income | $1,105,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cass County North Dakota | 131 | $ 39,345,000 | $ 300,000 | $ 148,000 |
| Crow Wing County Minnesota | 115 | $ 24,875,000 | $ 216,000 | $ 118,000 |
| Ward County North Dakota | 109 | $ 25,335,000 | $ 232,000 | $ 121,000 |
| Douglas County Minnesota | 78 | $ 19,530,000 | $ 250,000 | $ 119,000 |
| Burleigh County North Dakota | 54 | $ 16,100,000 | $ 298,000 | $ 147,000 |
| Cass County Minnesota | 31 | $ 7,775,000 | $ 250,000 | $ 110,000 |
| Clay County Minnesota | 25 | $ 5,105,000 | $ 204,000 | $ 96,000 |
| Hennepin County Minnesota | 13 | $ 4,365,000 | $ 335,000 | $ 137,000 |
| Pope County Minnesota | 11 | $ 2,315,000 | $ 210,000 | $ 92,000 |
| Becker County Minnesota | 10 | $ 2,100,000 | $ 210,000 | $ 150,000 |
| Otter Tail County Minnesota | 10 | $ 3,020,000 | $ 302,000 | $ 292,000 |
| Morton County North Dakota | 9 | $ 2,415,000 | $ 268,000 | $ 96,000 |
| Mountrail County North Dakota | 8 | $ 2,100,000 | $ 262,000 | $ 96,000 |
| Todd County Minnesota | 7 | $ 1,595,000 | $ 227,000 | $ 99,000 |
| McLean County North Dakota | 7 | $ 1,045,000 | $ 149,000 | $ 96,000 |
| Grant County Minnesota | 6 | $ 790,000 | $ 131,000 | $ 75,000 |
| Stearns County Minnesota | 6 | $ 1,610,000 | $ 268,000 | $ 100,000 |
| Bottineau County North Dakota | 6 | $ 1,060,000 | $ 176,000 | $ 262,000 |
| Ramsey County Minnesota | 5 | $ 1,785,000 | $ 357,000 | $ 158,000 |
| Anoka County Minnesota | 4 | $ 880,000 | $ 220,000 | $ 162,000 |
| Wadena County Minnesota | 4 | $ 750,000 | $ 187,000 | $ 62,000 |
| McHenry County North Dakota | 4 | $ 960,000 | $ 240,000 | $ 118,000 |
| Renville County North Dakota | 4 | $ 730,000 | $ 182,000 | $ 104,000 |
| Maricopa County Arizona | 3 | $ 895,000 | $ 298,000 | $ 345,000 |
| Beltrami County Minnesota | 3 | $ 1,275,000 | $ 425,000 | $ 139,000 |
| Dakota County Minnesota | 3 | $ 645,000 | $ 215,000 | $ 138,000 |
| Itasca County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 109,000 |
| Traverse County Minnesota | 3 | $ 465,000 | $ 155,000 | $ 105,000 |
| Williams County North Dakota | 3 | $ 1,075,000 | $ 358,000 | $ 230,000 |
| Volusia County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 309,000 |
| Benton County Minnesota | 2 | $ 650,000 | $ 325,000 | $ 111,000 |
| Faribault County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 129,000 |
| Hubbard County Minnesota | 2 | $ 380,000 | $ 190,000 | $ 94,000 |
| Kandiyohi County Minnesota | 2 | $ 300,000 | $ 150,000 | $ 87,000 |
| Morrison County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 92,000 |
| Pennington County Minnesota | 2 | $ 390,000 | $ 195,000 | $ 97,000 |
| Washington County Minnesota | 2 | $ 1,310,000 | $ 655,000 | $ 693,000 |
| Wright County Minnesota | 2 | $ 660,000 | $ 330,000 | $ 123,000 |
| Mercer County North Dakota | 2 | $ 240,000 | $ 120,000 | $ 93,000 |
| Ransom County North Dakota | 2 | $ 550,000 | $ 275,000 | $ 88,000 |
| Richland County North Dakota | 2 | $ 720,000 | $ 360,000 | $ 325,000 |
| Codington County South Dakota | 2 | $ 590,000 | $ 295,000 | $ 172,000 |
| Lawrence County South Dakota | 2 | $ 720,000 | $ 360,000 | $ 104,000 |
| Lincoln County South Dakota | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Minnehaha County South Dakota | 2 | $ 620,000 | $ 310,000 | $ 87,000 |
| Natrona County Wyoming | 2 | $ 320,000 | $ 160,000 | $ 44,000 |
| Pinal County Arizona | 1 | $ 305,000 | $ 305,000 | $ 141,000 |
| Boulder County Colorado | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| El Paso County Colorado | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Weld County Colorado | 1 | $ 625,000 | $ 625,000 | $ 266,000 |
| Charlotte County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Collier County Florida | 1 | $ 165,000 | $ 165,000 | $ 205,000 |
| Lee County Florida | 1 | $ 305,000 | $ 305,000 | $ 285,000 |
| Pinellas County Florida | 1 | $ 1,075,000 | $ 1,075,000 | $ 937,000 |
| Cook County Illinois | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Johnson County Iowa | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Shelby County Kentucky | 1 | $ 605,000 | $ 605,000 | $ 340,000 |
| Aitkin County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Big Stone County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Chippewa County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Chisago County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 220,000 |
| Lake of the Woods County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Meeker County Minnesota | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Mille Lacs County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 1,105,000 |
| Nicollet County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 127,000 |
| Nobles County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Pine County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Sherburne County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 237,000 |
| Swift County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 166,000 |
| Wilkin County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| San Juan County New Mexico | 1 | $ 535,000 | $ 535,000 | $ 274,000 |
| Barnes County North Dakota | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Dickey County North Dakota | 1 | $ 425,000 | $ 425,000 | $ 101,000 |
| Grand Forks County North Dakota | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Ramsey County North Dakota | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wells County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 21,000 |
| Lucas County Ohio | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Brown County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 233,000 |
| Campbell County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 921,000 |
| Davison County South Dakota | 1 | $ 7,995,000 | $ 7,995,000 | $ 0 |
| Hamlin County South Dakota | 1 | $ 415,000 | $ 415,000 | $ 309,000 |
| Polk County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Douglas County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Outagamie County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 174,000 |
| St. Croix County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Western Bank & Trust in 2023
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 | 606 | $174,290,000 | $287,000 | $7,995,000 | $136,000 | $1,105,000 |
| Refinancing | 89 | $16,155,000 | $181,000 | $745,000 | $100,000 | $658,000 |
| Other Purpose | 25 | $3,025,000 | $121,000 | $315,000 | $172,000 | $921,000 |
| Home Improvement | 20 | $2,040,000 | $102,000 | $285,000 | $148,000 | $528,000 |
| Cash-out Refinancing | 8 | $3,480,000 | $435,000 | $725,000 | $224,000 | $586,000 |
| 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 | 562 | $142,090,000 | $252,000 | $1,455,000 | $136,000 | $1,105,000 |
| Not applicable | 126 | $43,650,000 | $346,000 | $7,995,000 | $0 | $0 |
| Not Provided | 27 | $5,895,000 | $218,000 | $725,000 | $145,000 | $390,000 |
| Hispanic | 11 | $2,445,000 | $222,000 | $415,000 | $101,000 | $270,000 |
| Asian | 10 | $1,900,000 | $190,000 | $375,000 | $92,000 | $170,000 |
| Black or African American | 7 | $1,955,000 | $279,000 | $415,000 | $117,000 | $180,000 |
| American Indian or Alaskan Native | 5 | $1,055,000 | $211,000 | $265,000 | $96,000 | $169,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 659 | $176,105,000 | $267,000 | $7,995,000 | $142,000 | $1,105,000 |
| FHA-insured (Federal Housing Administration) | 50 | $11,510,000 | $230,000 | $425,000 | $84,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 33 | $9,955,000 | $301,000 | $745,000 | $103,000 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,420,000 | $236,000 | $355,000 | $97,000 | $146,000 |
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 | 618 | $166,720,000 | $269,000 | $7,995,000 | $139,000 | $1,105,000 |
| Application Withdrawn By Applicant | 88 | $22,760,000 | $258,000 | $1,455,000 | $125,000 | $921,000 |
| Application Denied By Financial Institution | 27 | $5,945,000 | $220,000 | $725,000 | $87,000 | $208,000 |
| Application Approved But Not Accepted | 15 | $3,565,000 | $237,000 | $315,000 | $121,000 | $348,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 721 | $193,045,000 | $267,000 | $7,995,000 | $137,000 | $1,105,000 |
| Credit History | 14 | $1,990,000 | $142,000 | $275,000 | $94,000 | $200,000 |
| Debt-To-Income Ratio | 8 | $2,940,000 | $367,000 | $725,000 | $79,000 | $208,000 |
| Other | 3 | $875,000 | $291,000 | $545,000 | $101,000 | $159,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $51,000 | $51,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Bank & Trust's 2023 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.