First Western Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First Western Federal Savings Bank 2016 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 Federal Savings Bank P.O. Box 1435 Rapid City, SD 57709 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 251 |
| Total Mortgage Loan Application Amount | $30,199,000 |
| Average Mortgage Loan Application Amount | $139,500 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with First Western Federal Savings Bank. 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 Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down First Western Federal Savings Bank'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 Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Western Federal Savings Bank, 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 Federal Savings Bank's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Maricopa County Arizona | 10 | $ 966,000 | $ 96,000 | $ 0 |
| Cook County Illinois | 7 | $ 962,000 | $ 137,000 | $ 0 |
| Shelby County Tennessee | 6 | $ 292,000 | $ 48,000 | $ 0 |
| Harris County Texas | 6 | $ 674,000 | $ 112,000 | $ 0 |
| San Bernardino County California | 5 | $ 902,000 | $ 180,000 | $ 0 |
| San Diego County California | 5 | $ 763,000 | $ 152,000 | $ 0 |
| Fulton County Georgia | 5 | $ 259,000 | $ 51,000 | $ 0 |
| Butler County Ohio | 5 | $ 277,000 | $ 55,000 | $ 0 |
| Miami-Dade County Florida | 4 | $ 455,000 | $ 113,000 | $ 0 |
| Lafayette County Louisiana | 4 | $ 227,000 | $ 56,000 | $ 0 |
| Davidson County Tennessee | 4 | $ 366,000 | $ 91,000 | $ 0 |
| Dallas County Texas | 4 | $ 326,000 | $ 81,000 | $ 0 |
| Baldwin County Alabama | 3 | $ 1,005,000 | $ 335,000 | $ 0 |
| Butte County California | 3 | $ 164,000 | $ 54,000 | $ 0 |
| Sacramento County California | 3 | $ 334,000 | $ 111,000 | $ 0 |
| San Joaquin County California | 3 | $ 580,000 | $ 193,000 | $ 0 |
| Hillsborough County Florida | 3 | $ 288,000 | $ 96,000 | $ 0 |
| Pasco County Florida | 3 | $ 720,000 | $ 240,000 | $ 0 |
| Volusia County Florida | 3 | $ 222,000 | $ 74,000 | $ 0 |
| Prince George's County Maryland | 3 | $ 244,000 | $ 81,000 | $ 0 |
| Jackson County Missouri | 3 | $ 178,000 | $ 59,000 | $ 0 |
| St. Louis County Missouri | 3 | $ 165,000 | $ 55,000 | $ 0 |
| Washington County Oregon | 3 | $ 502,000 | $ 167,000 | $ 0 |
| Horry County South Carolina | 3 | $ 159,000 | $ 53,000 | $ 0 |
| Brazos County Texas | 3 | $ 350,000 | $ 116,000 | $ 0 |
| Madison County Alabama | 2 | $ 222,000 | $ 111,000 | $ 0 |
| Montgomery County Alabama | 2 | $ 82,000 | $ 41,000 | $ 0 |
| Contra Costa County California | 2 | $ 325,000 | $ 162,000 | $ 0 |
| Los Angeles County California | 2 | $ 755,000 | $ 377,000 | $ 0 |
| Larimer County Colorado | 2 | $ 366,000 | $ 183,000 | $ 0 |
| New Castle County Delaware | 2 | $ 113,000 | $ 56,000 | $ 0 |
| Lee County Florida | 2 | $ 186,000 | $ 93,000 | $ 0 |
| Gilmer County Georgia | 2 | $ 171,000 | $ 85,000 | $ 0 |
| Walton County Georgia | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Honolulu County Hawaii | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Ada County Idaho | 2 | $ 169,000 | $ 84,000 | $ 0 |
| Anne Arundel County Maryland | 2 | $ 325,000 | $ 162,000 | $ 0 |
| Worcester County Massachusetts | 2 | $ 179,000 | $ 89,000 | $ 0 |
| Allegan County Michigan | 2 | $ 147,000 | $ 73,000 | $ 0 |
| St. Louis City County Missouri | 2 | $ 112,000 | $ 56,000 | $ 0 |
| Yellowstone County Montana | 2 | $ 174,000 | $ 87,000 | $ 0 |
| Monmouth County New Jersey | 2 | $ 1,330,000 | $ 665,000 | $ 0 |
| Wake County North Carolina | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Carbon County Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 83,000 | $ 41,000 | $ 0 |
| Charleston County South Carolina | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Bell County Texas | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Benton County Washington | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Pierce County Washington | 2 | $ 165,000 | $ 82,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Shelby County Alabama | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Pulaski County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Alameda County California | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Colusa County California | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Riverside County California | 1 | $ 153,000 | $ 153,000 | $ 0 |
| San Francisco County California | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Solano County California | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Sonoma County California | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Stanislaus County California | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Tulare County California | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Ventura County California | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Denver County Colorado | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Douglas County Colorado | 1 | $ 119,000 | $ 119,000 | $ 0 |
| El Paso County Colorado | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Montrose County Colorado | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Bay County Florida | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Broward County Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Duval County Florida | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Hernando County Florida | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Manatee County Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Orange County Florida | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Osceola County Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Polk County Florida | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Sarasota County Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Walton County Florida | 1 | $ 101,000 | $ 101,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fannin County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Maui County Hawaii | 1 | $ 365,000 | $ 365,000 | $ 0 |
| McLean County Illinois | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Lake County Indiana | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Madison County Indiana | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Porter County Indiana | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Scott County Iowa | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Ellis County Kansas | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Boone County Kentucky | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Worcester County Maryland | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Barnstable County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Berrien County Michigan | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Emmet County Michigan | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Lenawee County Michigan | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 39,000 | $ 39,000 | $ 0 |
| McLeod County Minnesota | 1 | $ 73,000 | $ 73,000 | $ 0 |
| Platte County Missouri | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Currituck County North Carolina | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Durham County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lake County Ohio | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Union County Ohio | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 140,000 | $ 140,000 | $ 0 |
| York County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Richland County South Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Campbell County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Tipton County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Bexar County Texas | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Collin County Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| El Paso County Texas | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Gillespie County Texas | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Hays County Texas | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Jasper County Texas | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Smith County Texas | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Tarrant County Texas | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Williamson County Texas | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Cache County Utah | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Morgan County Utah | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Utah County Utah | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Washington County Utah | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Franklin County Washington | 1 | $ 90,000 | $ 90,000 | $ 0 |
| King County Washington | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Snohomish County Washington | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Wahkiakum County Washington | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Eau Claire County Wisconsin | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Pierce County Wisconsin | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Sauk County Wisconsin | 1 | $ 174,000 | $ 174,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Western Federal Savings Bank in 2016
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 | 235 | $27,603,000 | $117,000 | $630,000 | $0 | $0 |
| Refinancing | 16 | $2,596,000 | $162,000 | $700,000 | $0 | $0 |
| Home Improvement | 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 | 251 | $30,199,000 | $120,000 | $700,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 251 | $30,199,000 | $120,000 | $700,000 | $0 | $0 |
| 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 | 98 | $9,956,000 | $101,000 | $450,000 | $0 | $0 |
| Application Denied By Financial Institution | 86 | $10,799,000 | $125,000 | $700,000 | $0 | $0 |
| Application Withdrawn By Applicant | 38 | $5,790,000 | $152,000 | $498,000 | $0 | $0 |
| Application Approved But Not Accepted | 19 | $2,209,000 | $116,000 | $500,000 | $0 | $0 |
| File Closed For Incompleteness | 10 | $1,445,000 | $144,000 | $324,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 51 | $5,235,000 | $102,000 | $630,000 | $0 | $0 |
| Other | 29 | $4,443,000 | $153,000 | $700,000 | $0 | $0 |
| Credit History | 3 | $492,000 | $164,000 | $216,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $560,000 | $280,000 | $500,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $69,000 | $69,000 | $69,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 Federal Savings Bank's 2016 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 Federal Savings 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.
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