We analyzed every closed loan from First Western Trust Bank — 849 loans across 1k applications— and benchmarked them against peer lenders 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 · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
First Western Trust Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+5.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 7 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 | 650 | 76.6% | +0.081%Above | $1,764Fees | ||||
FHA Loans | 69 | 8.1% | +0.347%Above | $2,714Fees | ||||
VA Loans | 76 | 9.0% | -0.489%Below | $2,355Fees | ||||
Jumbo Loans | 54 | 6.4% | +0.130%Above | $999Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume650
Mix76.6%
Spread
+0.081%Above
Fees
$1,764Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume69
Mix8.1%
Spread
+0.347%Above
Fees
$2,714Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume76
Mix9.0%
Spread
-0.489%Below
Fees
$2,355Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume54
Mix6.4%
Spread
+0.130%Above
Fees
$999Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 708 | 83.4% | +0.074%Above | $1,782Fees | ||||
Refinance | 141 | 16.6% | -0.023%Below | $1,964Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume708
Mix83.4%
Spread
+0.074%Above
Fees
$1,782Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume141
Mix16.6%
Spread
-0.023%Below
Fees
$1,964Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
849
Applications
1,121
Volume
$427 million
Pricing & Closing
Avg Rate Spread
+0.053%
vs. market APOR
Avg Net Fees
$1,821
Origination − Credits
Pullthrough Rate
75.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$503,975
Avg Borrower Income
$288,105
Avg Property Value
$722,397
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
37
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
37Northeast3
NJNYPA
Midwest10
IAILINKSMIMNMONEOHWI
South12
ALARFLGAMDMSNCOKSCTNTXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 244Mix 28.74% of portfolio
96/100
Exceptional
Volume 82Mix 9.66% of portfolio
78/100
Strong
Volume 197Mix 23.20% of portfolio
75/100
Strong
Volume 31Mix 3.65% of portfolio
63/100
Strong
Volume 39Mix 4.59% of portfolio
53/100
Sound
Volume 15Mix 1.77% of portfolio
47/100
SoundTop States by Place Specialization Score
1
ColoradoState
Volume 599Mix 70.55% of portfolio
84/100
Exceptional2
WyomingState
Volume 64Mix 7.54% of portfolio
71/100
Strong3
ArizonaState
Volume 47Mix 5.54% of portfolio
54/100
Sound4
CaliforniaState
Volume 15Mix 1.77% of portfolio
39/100
Acceptable5
TexasState
Volume 11Mix 1.30% of portfolio
34/100
Acceptable6
FloridaState
Volume 11Mix 1.30% of portfolio
34/100
AcceptableHow 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.