First Western Federal Savings Bank Mortgage Lending & HMDA Data, 2016
In 2016, First Western Federal Savings Bank of Rapid City, SD reported 251 mortgage applications totaling $30.2 million. The average application was for $120,314, and applicants reported an average income of $0. 39% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (10), Atlanta-Sandy Springs-Roswell, GA (9) and Houston-The Woodlands-Sugar Land, TX (8) (applications in parentheses).
| Mortgage Company & Address | First Western Federal Savings Bank P.O. Box 1435 Rapid City, SD 57701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $120,314 |
| Highest Mortgage Loan Application Amount | $700,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Western Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 10 | $ 966,000 | $ 96,600 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 541,000 | $ 60,111 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 866,000 | $ 108,250 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 7 | $ 962,000 | $ 137,428 | $ 0 |
| Memphis, TN-MS-AR | 7 | $ 372,000 | $ 53,142 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,058,000 | $ 151,142 | $ 0 |
| Cincinnati, OH-KY-IN | 6 | $ 376,000 | $ 62,666 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,055,000 | $ 175,833 | $ 0 |
| Dallas-Plano-Irving, TX | 5 | $ 454,000 | $ 90,800 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 468,000 | $ 93,600 | $ 0 |
| San Diego-Carlsbad, CA | 5 | $ 763,000 | $ 152,600 | $ 0 |
| St. Louis, MO-IL | 5 | $ 277,000 | $ 55,400 | $ 0 |
| Kansas City, MO-KS | 4 | $ 341,000 | $ 85,250 | $ 0 |
| Lafayette, LA | 4 | $ 227,000 | $ 56,750 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 455,000 | $ 113,750 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 448,000 | $ 112,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Chico, CA | 3 | $ 164,000 | $ 54,666 | $ 0 |
| College Station-Bryan, TX | 3 | $ 350,000 | $ 116,666 | $ 0 |
| Daphne-Fairhope-Foley, AL | 3 | $ 1,005,000 | $ 335,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 222,000 | $ 74,000 | $ 0 |
| Kennewick-Richland, WA | 3 | $ 256,000 | $ 85,333 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 159,000 | $ 53,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 729,000 | $ 243,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 502,000 | $ 167,333 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 334,000 | $ 111,333 | $ 0 |
| Stockton-Lodi, CA | 3 | $ 580,000 | $ 193,333 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Billings, MT | 2 | $ 174,000 | $ 87,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 117,000 | $ 58,500 | $ 0 |
| Boise City, ID | 2 | $ 169,000 | $ 84,500 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 186,000 | $ 93,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 105,000 | $ 52,500 | $ 0 |
| Denver-Aurora-Lakewood, CO | 2 | $ 281,000 | $ 140,500 | $ 0 |
| Fort Collins, CO | 2 | $ 366,000 | $ 183,000 | $ 0 |
| Gary, IN | 2 | $ 171,000 | $ 85,500 | $ 0 |
| Huntsville, AL | 2 | $ 222,000 | $ 111,000 | $ 0 |
| Killeen-Temple, TX | 2 | $ 124,000 | $ 62,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 755,000 | $ 377,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 109,000 | $ 54,500 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 83,000 | $ 41,500 | $ 0 |
| Montgomery, AL | 2 | $ 82,000 | $ 41,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,330,000 | $ 665,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 715,000 | $ 357,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 502,000 | $ 251,000 | $ 0 |
| Raleigh, NC | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Salt Lake City, UT | 2 | $ 182,000 | $ 91,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 2 | $ 432,000 | $ 216,000 | $ 0 |
| Tacoma-Lakewood, WA | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Urban Honolulu, HI | 2 | $ 428,000 | $ 214,000 | $ 0 |
| Wilmington, DE-MD-NJ | 2 | $ 113,000 | $ 56,500 | $ 0 |
| Worcester, MA-CT | 2 | $ 179,000 | $ 89,500 | $ 0 |
| Barnstable Town, MA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Bloomington, IL | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Columbia, SC | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Columbus, OH | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Eau Claire, WI | 1 | $ 370,000 | $ 370,000 | $ 0 |
| El Paso, TX | 1 | $ 51,000 | $ 51,000 | $ 0 |
| Fayetteville, NC | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Jacksonville, FL | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Knoxville, TN | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 59,000 | $ 59,000 | $ 0 |
| Logan, UT-ID | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Modesto, CA | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Panama City, FL | 1 | $ 113,000 | $ 113,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Prescott, AZ | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 65,000 | $ 65,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 264,000 | $ 264,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Santa Fe, NM | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 227,000 | $ 227,000 | $ 0 |
| St. George, UT | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Tulsa, OK | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Tyler, TX | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 96,000 | $ 96,000 | $ 0 |
| York-Hanover, PA | 1 | $ 131,000 | $ 131,000 | $ 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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