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

Promptness

Not enough data

—/5

No quote responses measured yet

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

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

232 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

FHA

23 loans · 0.08% below market

Sound

Top 60% of lenders

3/5

15 loans · 0.57% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

246 loans · 0.13% below market

Strong

Top 40% of lenders

4/5

Refinance

28 loans · 0.18% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Strong

Top 40% of lenders

4/5

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

13Full-year 2024 · HMDA

Loans originated

< 100100+None

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.