What loan types does First Western Bank & Trust offer?

First Western Bank & Trust offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does First Western Bank & Trust offer mortgages?

First Western Bank & Trust offers mortgages in 13 states: CO, FL, GA, IL, IN, MI, MN, MT, ND, SC, SD, TX, WI.

How competitive are First Western Bank & Trust's mortgage rates?

First Western Bank & Trust has an overall pricing score of 57.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Western Bank & Trust?

First Western Bank & Trust is a Bank headquartered in Minot, ND.

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First Western Bank & Trust

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First Western Bank & Trust has 274 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Multi-Region · 4 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

First Western Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 13.8 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Sound

Top 60% of lenders

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	232	84.7%	-0.125%Below	$2,903Fees
FHA Loans	Strong	Sound	Exceptional	Sound	23	8.4%	-0.084%Below	$1,890Fees
VA Loans	Strong	Sound	—	Strong	15	5.5%	-0.574%Below	$2,584Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume232

Mix84.7%

Spread

-0.125%Below

Fees

$2,903Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume23

Mix8.4%

Spread

-0.084%Below

Fees

$1,890Fees

VA Loans

Overall

Strong

Product

Sound

Pricing—

Pull Through

Strong

Volume15

Mix5.5%

Spread

-0.574%Below

Fees

$2,584Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	246	89.8%	-0.133%Below	$2,914Fees
Refinance	Sound	Acceptable	Sound	Sound	28	10.2%	-0.182%Below	$2,121Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume246

Mix89.8%

Spread

-0.133%Below

Fees

$2,914Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume28

Mix10.2%

Spread

-0.182%Below

Fees

$2,121Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

274

Applications

373

Volume

$82 million

Pricing & Closing

Avg Rate Spread

-0.138%

vs. market APOR

Avg Net Fees

$2,825

Origination − Credits

Pullthrough Rate

73.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$300,949

Avg Borrower Income

$136,938

Avg Property Value

$406,715

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Midwest7

ILINMIMNNDSDWI

South4

FLGASCTX

West2

COMT

Top Metro Areas by Place Specialization Score

Minot, NDMetro

Volume 48Mix 17.52% of portfolio

74/100

Strong

Bismarck, NDMetro

Volume 27Mix 9.85% of portfolio

62/100

Strong

Fargo, ND, ND-MNMetro

Volume 26Mix 9.49% of portfolio

59/100

Sound

Minneapolis, MN-WIMetro

Volume 32Mix 11.68% of portfolio

55/100

Sound

Top States by Place Specialization Score

North DakotaState

Volume 117Mix 42.70% of portfolio

75/100

Strong

MinnesotaState

Volume 142Mix 51.82% of portfolio

71/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.