First Western Federal Savings Bank Mortgage Lending & HMDA Data, 2017
In 2017, First Western Federal Savings Bank of Rapid City, SD reported 229 mortgage applications totaling $31.9 million, down 9% from 2016. The average application was for $139,388, and applicants reported an average income of $0. 48% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (9), Phoenix-Mesa-Scottsdale, AZ (9) and Tampa-St. Petersburg-Clearwater, FL (9) (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 | 229 |
| Total Mortgage Loan Application Amount | $31,920,000 |
| Average Mortgage Loan Application Amount | $139,388 |
| Highest Mortgage Loan Application Amount | $900,000 |
| 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First Western Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 919,000 | $ 102,111 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 918,000 | $ 102,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 932,000 | $ 103,555 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,647,000 | $ 205,875 | $ 0 |
| Kansas City, MO-KS | 6 | $ 383,000 | $ 63,833 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 659,000 | $ 109,833 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 273,000 | $ 54,600 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 835,000 | $ 208,750 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 447,000 | $ 111,750 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 673,000 | $ 168,250 | $ 0 |
| San Antonio-New Braunfels, TX | 4 | $ 532,000 | $ 133,000 | $ 0 |
| San Diego-Carlsbad, CA | 4 | $ 865,000 | $ 216,250 | $ 0 |
| Stockton-Lodi, CA | 4 | $ 1,197,000 | $ 299,250 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 453,000 | $ 151,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 3 | $ 281,000 | $ 93,666 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 446,000 | $ 148,666 | $ 0 |
| Denver-Aurora-Lakewood, CO | 3 | $ 495,000 | $ 165,000 | $ 0 |
| Fort Collins, CO | 3 | $ 834,000 | $ 278,000 | $ 0 |
| Jacksonville, FL | 3 | $ 189,000 | $ 63,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,582,000 | $ 527,333 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 322,000 | $ 107,333 | $ 0 |
| Oklahoma City, OK | 3 | $ 393,000 | $ 131,000 | $ 0 |
| Tacoma-Lakewood, WA | 3 | $ 514,000 | $ 171,333 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 192,000 | $ 96,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 85,000 | $ 42,500 | $ 0 |
| College Station-Bryan, TX | 2 | $ 249,000 | $ 124,500 | $ 0 |
| Corpus Christi, TX | 2 | $ 128,000 | $ 64,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 95,000 | $ 47,500 | $ 0 |
| Dayton, OH | 2 | $ 156,000 | $ 78,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 165,000 | $ 82,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 131,000 | $ 65,500 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Huntsville, AL | 2 | $ 141,000 | $ 70,500 | $ 0 |
| Idaho Falls, ID | 2 | $ 484,000 | $ 242,000 | $ 0 |
| Kennewick-Richland, WA | 2 | $ 248,000 | $ 124,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 153,000 | $ 76,500 | $ 0 |
| Longview, WA | 2 | $ 169,000 | $ 84,500 | $ 0 |
| Lubbock, TX | 2 | $ 937,000 | $ 468,500 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 99,000 | $ 49,500 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 406,000 | $ 203,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 136,000 | $ 68,000 | $ 0 |
| Provo-Orem, UT | 2 | $ 383,000 | $ 191,500 | $ 0 |
| Raleigh, NC | 2 | $ 652,000 | $ 326,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 233,000 | $ 116,500 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 362,000 | $ 181,000 | $ 0 |
| Salem, OR | 2 | $ 695,000 | $ 347,500 | $ 0 |
| St. Louis, MO-IL | 2 | $ 102,000 | $ 51,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 184,000 | $ 92,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Albuquerque, NM | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Bakersfield, CA | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Boise City, ID | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Columbia, SC | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Dover, DE | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dutchess County-Putnam County, NY | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Eugene, OR | 1 | $ 198,000 | $ 198,000 | $ 0 |
| Fayetteville, NC | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Grand Junction, CO | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Greeley, CO | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Jackson, MS | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Jacksonville, NC | 1 | $ 41,000 | $ 41,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Madison, WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 220,000 | $ 220,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Philadelphia, PA | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Rapid City, SD | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Rochester, NY | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tallahassee, FL | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Tucson, AZ | 1 | $ 58,000 | $ 58,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Western Federal Savings Bank in 2017
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 | 209 | $29,007,000 | $138,000 | $900,000 | $0 | $0 |
| Refinancing | 20 | $2,913,000 | $145,000 | $560,000 | $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 | 228 | $31,720,000 | $139,000 | $900,000 | $0 | $0 |
| White | 1 | $200,000 | $200,000 | $200,000 | $0 | $0 |
| Not Provided | 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 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) | 229 | $31,920,000 | $139,000 | $900,000 | $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 | 111 | $14,831,000 | $133,000 | $886,000 | $0 | $0 |
| Application Denied By Financial Institution | 50 | $5,819,000 | $116,000 | $520,000 | $0 | $0 |
| Application Withdrawn By Applicant | 35 | $6,400,000 | $182,000 | $900,000 | $0 | $0 |
| Application Approved But Not Accepted | 28 | $4,239,000 | $151,000 | $400,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $631,000 | $126,000 | $235,000 | $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 | 34 | $3,888,000 | $114,000 | $450,000 | $0 | $0 |
| Other | 14 | $1,704,000 | $121,000 | $520,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $227,000 | $113,000 | $152,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Federal Savings Bank's 2017 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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