First Western Bank & Trust closing costs and rates (2024)
In 2024, First Western Bank & Trust originated 245 purchase mortgages at a median interest rate of 6.49% and median total closing costs of $5,125. That is $1,616 below the national median of $6,741. First Western Bank & Trust is most active in North Dakota with 121 originations there.
Purchase Originations
245
Median Total Costs
$5,125
−24.0% vs national ($6,741)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,500
Median Lender Credits
$40
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 206 | 6.500% | $4,874 | $2,749 |
| fha | 23 | 6.050% | $8,142 | $750 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Dakota | 121 | 6.350% | $5,000 | #15 |
| Minnesota | 114 | 6.500% | $5,163 | #81 |
| Wisconsin | 3 | 6.250% | $5,610 | — |
| South Dakota | 2 | 7.188% | $5,531 | — |
| Colorado | 1 | 5.375% | $7,095 | — |
| Georgia | 1 | 6.875% | $5,307 | — |
| Illinois | 1 | 6.625% | $8,047 | — |
| Indiana | 1 | 6.625% | $6,469 | — |
| Texas | 1 | 6.875% | $4,609 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,236 | 6.625% | — | 3 | −$1,889 | |
| 2 | $3,942 | 6.250% | — | 29 | −$1,183 | |
| 3 | $3,958 | 6.375% | — | 13 | −$1,167 | |
| 4 | $4,067 | 6.312% | — | 2 | −$1,058 | |
| 5 | $4,110 | 6.562% | — | 8 | −$1,015 | |
| 6 | $4,603 | 7.058% | — | 2 | −$522 | |
| 7 | $4,724 | 6.125% | — | 3 | −$401 | |
| 8 | $4,739 | 6.375% | — | 3 | −$386 | |
| 9 | $4,792 | 6.250% | — | 47 | −$333 | |
| 10 | $5,166 | 6.375% | — | 15 | +$41 | |
| 11 | $5,559 | 6.500% | — | 11 | +$434 | |
| 12 | $5,590 | 6.500% | — | 17 | +$465 | |
| 13 | $5,675 | 6.500% | — | 5 | +$550 | |
| 14 | $5,784 | 6.688% | — | 2 | +$659 | |
| 15 | $5,900 | 6.250% | — | 7 | +$775 | |
| 16 | $6,142 | 6.370% | — | 2 | +$1,017 | |
| 17 | $6,156 | 6.625% | — | 3 | +$1,031 | |
| 18 | $6,192 | 6.500% | — | 20 | +$1,067 | |
| 19 | $6,674 | 6.245% | — | 6 | +$1,549 | |
| 20 | $7,388 | 6.000% | — | 3 | +$2,263 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.