Purchase Originations
638
Ranked #542 nationally
Median Total Costs
$3,484
−47.8% vs national ($6,680)
↓ $137 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$599
Median Lender Credits
$43
Cost Rank (500+ vol.)
#69
among lenders with 500+ originations
Denial Rate
0.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 501 | 6.375% | $3,024 | $1,160 |
| fha | 74 | 6.125% | $8,470 | $0 |
| va | 61 | 6.000% | $4,819 | $470 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 459 | 6.250% | $2,926 | #33 |
| Wyoming | 78 | 6.188% | $5,754 | #15 |
| Texas | 15 | 6.250% | $5,185 | — |
| California | 12 | 6.438% | $6,115 | — |
| Arizona | 8 | 6.625% | $4,768 | — |
| Montana | 6 | 6.000% | $6,642 | — |
| Florida | 5 | 6.500% | $8,642 | — |
| Oklahoma | 5 | 6.625% | $4,562 | — |
| South Carolina | 5 | 6.500% | $6,040 | — |
| Virginia | 5 | 6.625% | $4,755 | — |
| Tennessee | 4 | 6.812% | $3,209 | — |
| Idaho | 3 | 6.125% | $4,715 | — |
| Oregon | 3 | 6.000% | $7,799 | — |
| Arkansas | 2 | 6.438% | $1,372 | — |
| Georgia | 2 | 6.500% | $2,503 | — |
| Illinois | 2 | 6.688% | $11,124 | — |
| Louisiana | 2 | 5.938% | $8,099 | — |
| North Carolina | 2 | 6.250% | $8,888 | — |
| Nebraska | 2 | 6.688% | $3,558 | — |
| New Jersey | 2 | 6.000% | $3,859 | — |
| Ohio | 2 | 6.188% | $686 | — |
| Alabama | 1 | 5.625% | $5,058 | — |
| District of Columbia | 1 | 6.125% | $3,945 | — |
| Iowa | 1 | 6.750% | $3,496 | — |
| Kansas | 1 | 6.125% | $4,352 | — |
| Minnesota | 1 | 6.000% | $2,580 | — |
| Missouri | 1 | 6.500% | $9,616 | — |
| Mississippi | 1 | 6.750% | $3,468 | — |
| New Hampshire | 1 | 6.375% | $3,387 | — |
| New Mexico | 1 | 5.625% | $4,879 | — |
| Nevada | 1 | 6.625% | $200 | — |
| New York | 1 | 5.625% | $16,763 | — |
| South Dakota | 1 | 6.125% | $3,697 | — |
| Washington | 1 | 6.875% | $11,181 | — |
| Wisconsin | 1 | 6.250% | $3,128 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,192 | 6.125% | — | 30 | −$2,292 | |
| 2 | $1,545 | 6.125% | — | 35 | −$1,939 | |
| 3 | $1,960 | 6.125% | — | 25 | −$1,524 | |
| 4 | $2,075 | 6.250% | — | 13 | −$1,409 | |
| 5 | $2,510 | 6.125% | — | 20 | −$974 | |
| 6 | $2,863 | 6.250% | — | 4 | −$621 | |
| 7 | $2,934 | 6.250% | — | 75 | −$550 | |
| 8 | $3,156 | 6.500% | — | 205 | −$328 | |
| 9 | $3,424 | 6.000% | — | 25 | −$60 | |
| 10 | $3,500 | 6.250% | — | 4 | +$16 | |
| 11 | $3,660 | 6.000% | — | 11 | +$176 | |
| 12 | $3,811 | 6.875% | — | 3 | +$327 | |
| 13 | $4,562 | 5.875% | — | 3 | +$1,078 | |
| 14 | $5,087 | 6.250% | — | 5 | +$1,603 | |
| 15 | $5,452 | 6.250% | — | 2 | +$1,968 | |
| 16 | $5,577 | 6.125% | — | 54 | +$2,093 | |
| 17 | $5,768 | 6.250% | — | 4 | +$2,284 | |
| 18 | $6,253 | 6.375% | — | 15 | +$2,769 | |
| 19 | $6,340 | 6.500% | — | 3 | +$2,856 | |
| 20 | $10,165 | 6.125% | — | 3 | +$6,681 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Western Trust Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $3,484 | $7,127 | −$3,643 (−51.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.