First Western Federal Savings Bank Mortgage Lending & HMDA Data, 2019
In 2019, First Western Federal Savings Bank of Rapid City, SD reported 198 mortgage applications totaling $32.6 million, down 5% from 2018. The average application was for $164,595, and applicants reported an average income of $0. 51% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (9), Phoenix-Mesa-Scottsdale, AZ (9) and Orlando-Kissimmee-Sanford, FL (7) (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 | 198 |
| Total Mortgage Loan Application Amount | $32,590,000 |
| Average Mortgage Loan Application Amount | $164,595 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| 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First Western Federal Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 21 | $ 3,135,000 | $ 149,285 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 1,045,000 | $ 116,111 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,005,000 | $ 111,666 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,015,000 | $ 145,000 | $ 0 |
| Dallas-Plano-Irving, TX | 6 | $ 730,000 | $ 121,666 | $ 0 |
| Memphis, TN-MS-AR | 6 | $ 350,000 | $ 58,333 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 325,000 | $ 65,000 | $ 0 |
| Austin-Round Rock, TX | 5 | $ 1,215,000 | $ 243,000 | $ 0 |
| Chicago-Naperville, IL | 5 | $ 405,000 | $ 81,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 620,000 | $ 155,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 490,000 | $ 122,500 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 255,000 | $ 85,000 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 245,000 | $ 81,666 | $ 0 |
| Tacoma-Lakewood, WA | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Billings, MT | 2 | $ 360,000 | $ 180,000 | $ 0 |
| California-Lexington Park, MD | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Columbia, SC | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Columbus, OH | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Fayetteville, NC | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Huntsville, AL | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Jacksonville, FL | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Panama City, FL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Philadelphia, PA | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Portland-South Portland, ME | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 6,080,000 | $ 3,040,000 | $ 0 |
| Santa Fe, NM | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Stockton-Lodi, CA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Wilmington, NC | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Albany, GA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Albuquerque, NM | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Boise City, ID | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Boston, MA | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Charlottesville, VA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Grand Junction, CO | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Green Bay, WI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jacksonville, NC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lincoln, NE | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lynchburg, VA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Mansfield, OH | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 145,000 | $ 145,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 55,000 | $ 55,000 | $ 0 |
| New York-Newark, NY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rapid City, SD | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Redding, CA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Salinas, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| San Rafael, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Western Federal Savings Bank in 2019
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 | 172 | $29,470,000 | $171,000 | $6,005,000 | $0 | $0 |
| Refinancing | 26 | $3,120,000 | $120,000 | $275,000 | $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 | 196 | $32,320,000 | $164,000 | $6,005,000 | $0 | $0 |
| White | 2 | $270,000 | $135,000 | $205,000 | $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) | 198 | $32,590,000 | $164,000 | $6,005,000 | $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 | 101 | $13,105,000 | $129,000 | $625,000 | $0 | $0 |
| Application Denied By Financial Institution | 39 | $11,185,000 | $286,000 | $6,005,000 | $0 | $0 |
| Application Withdrawn By Applicant | 29 | $4,695,000 | $161,000 | $1,005,000 | $0 | $0 |
| Application Approved But Not Accepted | 24 | $2,840,000 | $118,000 | $355,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $765,000 | $153,000 | $215,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 198 | $32,590,000 | $164,000 | $6,005,000 | $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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Federal Savings Bank's 2019 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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