First Western Mortgage
First Western Mortgage has 148 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
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
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Report Card
First Western Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+2.3 bps above market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
93 loans · 0.02% above market
Sound
Top 60% of lenders
3/5
FHA
44 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
VA
10 loans · 0.53% below market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
127 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
Refinance
21 loans · 0.07% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 93 | 62.8% | +0.021%Above | $1,051Fees | ||||
FHA Loans | 44 | 29.7% | +0.152%Above | $1,092Fees | ||||
VA Loans | — | — | 10 | 6.8% | -0.529%Below | $1,726Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume93
Mix62.8%
Spread
+0.021%Above
Fees
$1,051Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume44
Mix29.7%
Spread
+0.152%Above
Fees
$1,092Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume10
Mix6.8%
Spread
-0.529%Below
Fees
$1,726Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 127 | 85.8% | +0.013%Above | $1,007Fees | ||||
Refinance | 21 | 14.2% | +0.075%Above | $1,546Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume127
Mix85.8%
Spread
+0.013%Above
Fees
$1,007Fees
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughSound
Volume21
Mix14.2%
Spread
+0.075%Above
Fees
$1,546Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
148
Applications
208
Volume
$43 million
Pricing & Closing
Avg Rate Spread
+0.023%
vs. market APOR
Avg Net Fees
$1,096
Origination − Credits
Pullthrough Rate
71.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$292,432
Avg Borrower Income
$128,649
Avg Property Value
$397,770
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
4Full-year 2024 · HMDALoans originated
< 100100+None
Midwest2
MONE
South2
AROK
Top Metro Areas by Place Specialization Score
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.