First Western Bank & Trust in North Dakota vs the state
2.8%Denial rate-8.68 pts vs state
3.3%Decision denial rate-10.45 pts vs state
80.7%Origination rate+11.02 pts vs state
6.63%Median rate+0.13 pts vs state
-0.03Rate spread (pts)-0.27 pts vs state
$98kMedian applicant income
205Loans originated
7Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 291 | 3.2% | 6.63% | #13 |
| 2024 | 273 | 219 | 4.8% | 6.88% | #17 |
| 2025 | 254 | 205 | 2.8% | 6.63% | #17 |
What First Western Bank & Trust lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most First Western Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cass County | 85 | 69 | 3 | 3.5% |
| Ward County | 76 | 65 | 1 | 1.3% |
| Burleigh County | 45 | 37 | 1 | 2.2% |
| Morton County | 12 | 8 | 2 | 16.7% |
| McLean County | 11 | 7 | 0 | 0.0% |
| Mountrail County | 4 | 4 | 0 | 0.0% |
| McHenry County | 4 | 4 | 0 | 0.0% |
| Traill County | 2 | 2 | 0 | 0.0% |
| Bottineau County | 2 | 1 | 0 | 0.0% |
| Renville County | 2 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 254 applications in 2025, of which 205 were originated and 7 denied.
2.8% of all applications, or 3.3% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans First Western Bank & Trust originated in North Dakota in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First Western Bank & Trust's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology