First Western Federal Savings Bank Mortgage Lending & HMDA Data, 2018
In 2018, First Western Federal Savings Bank of Rapid City, SD reported 208 mortgage applications totaling $31.4 million, down 9% from 2017. The average application was for $150,817, and applicants reported an average income of $0. 54% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (10), Phoenix-Mesa-Scottsdale, AZ (8) and Tampa-St. Petersburg-Clearwater, FL (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 | 208 |
| Total Mortgage Loan Application Amount | $31,370,000 |
| Average Mortgage Loan Application Amount | $150,817 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| 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First Western Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 17 | $ 2,655,000 | $ 156,176 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 890,000 | $ 89,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 760,000 | $ 95,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 840,000 | $ 105,000 | $ 0 |
| San Antonio-New Braunfels, TX | 6 | $ 660,000 | $ 110,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,425,000 | $ 285,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 475,000 | $ 95,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 335,000 | $ 67,000 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 1,260,000 | $ 315,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Austin-Round Rock, TX | 3 | $ 825,000 | $ 275,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 715,000 | $ 238,333 | $ 0 |
| Cincinnati, OH-KY-IN | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Dallas-Plano-Irving, TX | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Denver-Aurora-Lakewood, CO | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 175,000 | $ 58,333 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,745,000 | $ 581,666 | $ 0 |
| Memphis, TN-MS-AR | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Ocala, FL | 3 | $ 615,000 | $ 205,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 175,000 | $ 58,333 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 355,000 | $ 118,333 | $ 0 |
| San Diego-Carlsbad, CA | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Santa Rosa, CA | 3 | $ 515,000 | $ 171,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Boise City, ID | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Homosassa Springs, FL | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Jacksonville, FL | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 630,000 | $ 315,000 | $ 0 |
| Salem, OR | 2 | $ 180,000 | $ 90,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,510,000 | $ 1,255,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Tucson, AZ | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 140,000 | $ 70,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Anchorage, AK | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bakersfield, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dayton, OH | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Decatur, AL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fort Collins, CO | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Fresno, CA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lafayette, LA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lincoln, NE | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Montgomery, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 175,000 | $ 175,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 45,000 | $ 45,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Ocean City, NJ | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Panama City, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Philadelphia, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rapid City, SD | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Redding, CA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Richmond, VA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Roanoke, VA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Spartanburg, SC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. George, UT | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wichita, KS | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Western Federal Savings Bank in 2018
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 | 193 | $28,635,000 | $148,000 | $1,305,000 | $0 | $0 |
| Refinancing | 15 | $2,735,000 | $182,000 | $1,205,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $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 | 208 | $31,370,000 | $150,000 | $1,305,000 | $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 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) | 208 | $31,370,000 | $150,000 | $1,305,000 | $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 | 112 | $13,270,000 | $118,000 | $1,205,000 | $0 | $0 |
| Application Denied By Financial Institution | 32 | $7,980,000 | $249,000 | $1,305,000 | $0 | $0 |
| Application Withdrawn By Applicant | 29 | $3,905,000 | $134,000 | $355,000 | $0 | $0 |
| Application Approved But Not Accepted | 29 | $5,365,000 | $185,000 | $1,005,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $850,000 | $141,000 | $355,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 176 | $23,390,000 | $132,000 | $1,205,000 | $0 | $0 |
| Collateral | 18 | $4,440,000 | $246,000 | $1,305,000 | $0 | $0 |
| Other | 14 | $3,540,000 | $252,000 | $1,005,000 | $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 |
| 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 Federal Savings Bank's 2018 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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