First Western Bank & Trust mortgage approval rate & lending review
First Western Bank & Trust decided 401 mortgage applications and funded 374 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Western Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Western Bank & Trust at a glance
Approval is 10.3 points above the 85.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 164 / 177 | 99% | $285K | 163 |
| Refinance | 93% | 25 / 27 | 92% | $195K | 23 |
| Investment property purchase | 100% | 166 / 166 | 97% | $165K | 161 |
First Western Bank & Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Dakota | 96% | $165K | 255 | 238 |
| Minnesota | 94% | $295K | 104 | 98 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about First Western Bank & Trust
What is First Western Bank & Trust's mortgage approval rate?
First Western Bank & Trust approved 95.5% of the 401 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.3 points above the 85.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Western Bank & Trust offers?
Borrowers accepted 98% of the loans First Western Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Western Bank & Trust make?
The typical home purchase mortgage loan First Western Bank & Trust made was $285K; across all loan types its typical loan ran from $165K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Western Bank & Trust lend?
First Western Bank & Trust decided applications in 14 of the states Fat Boy Data covers, most of them in North Dakota, Minnesota and Florida.
Can I apply to First Western Bank & Trust directly?
Yes. First Western Bank & Trust is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Western Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Western Bank & Trust treats applications, then get a rate quote from the lender.