First Western Trust Bank Mortgage Lending & HMDA Data, 2025

In 2025, First Western Trust Bank of Denver, CO reported 1,276 mortgage applications totaling $821.4 million, up 4% from 2024. The average application was for $643,730, and applicants reported an average income of $281,942. 76% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Fort Collins, CO (384), Denver-Aurora-Lakewood, CO (250) and Greeley, CO (132) (applications in parentheses).

Mortgage Company & Address First Western Trust Bank
1900 16th Street Suite #500
Denver, CO 80202
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  
Total Number of Mortgage Applications 1,276
Total Mortgage Loan Application Amount $821,400,000
Average Mortgage Loan Application Amount $643,730
Highest Mortgage Loan Application Amount $12,355,000
Average Applicant Income $281,942
Highest Applicant Income $5,529,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Western Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for First Western Trust Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Larimer, Colorado 384 $ 195,820,000 $ 509,947 $ 225,000
Weld, Colorado 132 $ 67,190,000 $ 509,015 $ 202,000
Laramie, Wyoming 90 $ 28,670,000 $ 318,555 $ 121,000
Denver, Colorado 60 $ 46,210,000 $ 770,166 $ 283,000
Douglas, Colorado 60 $ 38,360,000 $ 639,333 $ 331,000
Arapahoe, Colorado 54 $ 38,980,000 $ 721,851 $ 176,000
Jefferson, Colorado 39 $ 23,995,000 $ 615,256 $ 320,000
Teton, Wyoming 33 $ 55,295,000 $ 1,675,606 $ 633,000
Adams, Colorado 32 $ 16,000,000 $ 500,000 $ 151,000
Boulder, Colorado 29 $ 33,975,000 $ 1,171,551 $ 427,000
Eagle, Colorado 27 $ 42,985,000 $ 1,592,037 $ 630,000
Maricopa, Arizona 22 $ 12,710,000 $ 577,727 $ 297,000
Pitkin, Colorado 19 $ 33,525,000 $ 1,764,473 $ 677,000
El Paso, Colorado 6 $ 2,540,000 $ 423,333 $ 596,000
Gunnison, Colorado 6 $ 5,830,000 $ 971,666 $ 600,000
Summit, Colorado 6 $ 4,380,000 $ 730,000 $ 375,000
Teton, Idaho 6 $ 7,040,000 $ 1,173,333 $ 467,000
Dallas, Texas 6 $ 4,460,000 $ 743,333 $ 258,000
Harris, Texas 6 $ 2,130,000 $ 355,000 $ 233,000
San Diego, California 5 $ 4,385,000 $ 877,000 $ 955,000
Grand, Colorado 5 $ 2,565,000 $ 513,000 $ 378,000
Gallatin, Montana 5 $ 2,475,000 $ 495,000 $ 335,000
Lincoln, Wyoming 5 $ 6,225,000 $ 1,245,000 $ 583,000
Pima, Arizona 4 $ 1,050,000 $ 262,500 $ 179,000
Los Angeles, California 4 $ 8,930,000 $ 2,232,500 $ 1,103,000
Logan, Colorado 4 $ 1,470,000 $ 367,500 $ 152,000
Miami-Dade, Florida 4 $ 4,860,000 $ 1,215,000 $ 434,000
Lewis and Clark, Montana 4 $ 1,520,000 $ 380,000 $ 71,000
Lucas, Ohio 4 $ 860,000 $ 215,000 $ 187,000
Bryan, Oklahoma 4 $ 1,310,000 $ 327,500 $ 116,000
Davidson, Tennessee 4 $ 1,290,000 $ 322,500 $ 117,000
Natrona, Wyoming 4 $ 930,000 $ 232,500 $ 97,000
Broomfield, Colorado 3 $ 2,585,000 $ 861,666 $ 303,000
Morgan, Colorado 3 $ 925,000 $ 308,333 $ 92,000
Okaloosa, Florida 3 $ 945,000 $ 315,000 $ 75,000
Orange, Florida 3 $ 2,135,000 $ 711,666 $ 250,000
Sweetwater, Wyoming 3 $ 645,000 $ 215,000 $ 54,000
Pinal, Arizona 2 $ 600,000 $ 300,000 $ 63,000
Boone, Arkansas 2 $ 570,000 $ 285,000 $ 163,000
Pulaski, Arkansas 2 $ 4,530,000 $ 2,265,000 $ 365,000
Placer, California 2 $ 1,610,000 $ 805,000 $ 600,000
Riverside, California 2 $ 1,010,000 $ 505,000 $ 746,000
Sacramento, California 2 $ 970,000 $ 485,000 $ 192,000
La Plata, Colorado 2 $ 520,000 $ 260,000 $ 240,000
Lake, Colorado 2 $ 890,000 $ 445,000 $ 322,000
Mesa, Colorado 2 $ 1,080,000 $ 540,000 $ 203,000
Rio Grande, Colorado 2 $ 990,000 $ 495,000 $ 78,000
Manatee, Florida 2 $ 2,140,000 $ 1,070,000 $ 191,000
Palm Beach, Florida 2 $ 570,000 $ 285,000 $ 120,000
Pinellas, Florida 2 $ 3,010,000 $ 1,505,000 $ 1,553,000
Sarasota, Florida 2 $ 1,580,000 $ 790,000 $ 351,000
Cobb, Georgia 2 $ 1,650,000 $ 825,000 $ 362,000
Ada, Idaho 2 $ 790,000 $ 395,000 $ 178,000
Kane, Illinois 2 $ 1,250,000 $ 625,000 $ 311,000
Pottawattamie, Iowa 2 $ 440,000 $ 220,000 $ 136,000
Jefferson, Kentucky 2 $ 790,000 $ 395,000 $ 158,000
Somerset, New Jersey 2 $ 870,000 $ 435,000 $ 94,000
Santa Fe, New Mexico 2 $ 2,160,000 $ 1,080,000 $ 741,000
Buncombe, North Carolina 2 $ 540,000 $ 270,000 $ 178,000
Pottawatomie, Oklahoma 2 $ 900,000 $ 450,000 $ 444,000
Deschutes, Oregon 2 $ 1,310,000 $ 655,000 $ 187,000
Charleston, South Carolina 2 $ 1,590,000 $ 795,000 $ 221,000
Greenville, South Carolina 2 $ 1,520,000 $ 760,000 $ 350,000
Horry, South Carolina 2 $ 680,000 $ 340,000 $ 91,000
Richland, South Carolina 2 $ 730,000 $ 365,000 $ 146,000
Bexar, Texas 2 $ 1,220,000 $ 610,000 $ 272,000
Collin, Texas 2 $ 390,000 $ 195,000 $ 147,000
Dawson, Texas 2 $ 150,000 $ 75,000 $ 184,000
Scurry, Texas 2 $ 200,000 $ 100,000 $ 184,000
Williamson, Texas 2 $ 670,000 $ 335,000 $ 115,000
Fairfax, Virginia 2 $ 1,270,000 $ 635,000 $ 359,000
Franklin, Virginia 2 $ 1,390,000 $ 695,000 $ 291,000
Albany, Wyoming 2 $ 670,000 $ 335,000 $ 121,000
Shelby, Alabama 1 $ 1,525,000 $ 1,525,000 $ 1,250,000
Tallapoosa, Alabama 1 $ 805,000 $ 805,000 $ 694,000
Apache, Arizona 1 $ 515,000 $ 515,000 $ 374,000
Coconino, Arizona 1 $ 275,000 $ 275,000 $ 174,000
Gila, Arizona 1 $ 295,000 $ 295,000 $ 130,000
Mohave, Arizona 1 $ 1,305,000 $ 1,305,000 $ 2,551,000
Craighead, Arkansas 1 $ 155,000 $ 155,000 $ 67,000
Pope, Arkansas 1 $ 265,000 $ 265,000 $ 101,000
White, Arkansas 1 $ 205,000 $ 205,000 $ 118,000
Alameda, California 1 $ 505,000 $ 505,000 $ 167,000
Contra Costa, California 1 $ 1,595,000 $ 1,595,000 $ 496,000
Monterey, California 1 $ 575,000 $ 575,000 $ 612,000
San Bernardino, California 1 $ 155,000 $ 155,000 $ 121,000
San Mateo, California 1 $ 965,000 $ 965,000 $ 288,000
Shasta, California 1 $ 255,000 $ 255,000 $ 85,000
Archuleta, Colorado 1 $ 305,000 $ 305,000 $ 315,000
Chaffee, Colorado 1 $ 955,000 $ 955,000 $ 320,000
Clear Creek, Colorado 1 $ 755,000 $ 755,000 $ 387,000
Fremont, Colorado 1 $ 305,000 $ 305,000 $ 133,000
Garfield, Colorado 1 $ 5,005,000 $ 5,005,000 $ 1,321,000
Moffat, Colorado 1 $ 165,000 $ 165,000 $ 200,000
Montezuma, Colorado 1 $ 475,000 $ 475,000 $ 188,000
Montrose, Colorado 1 $ 855,000 $ 855,000 $ 418,000
Ouray, Colorado 1 $ 465,000 $ 465,000 $ 237,000
Park, Colorado 1 $ 185,000 $ 185,000 $ 255,000
Pueblo, Colorado 1 $ 385,000 $ 385,000 $ 104,000
San Miguel, Colorado 1 $ 7,505,000 $ 7,505,000 $ 3,423,000
Sedgwick, Colorado 1 $ 275,000 $ 275,000 $ 67,000
District of Columbia, District Of Columbia 1 $ 575,000 $ 575,000 $ 161,000
Collier, Florida 1 $ 255,000 $ 255,000 $ 192,000
St. Lucie, Florida 1 $ 425,000 $ 425,000 $ 141,000
Bryan, Georgia 1 $ 505,000 $ 505,000 $ 347,000
Ware, Georgia 1 $ 175,000 $ 175,000 $ 35,000
Hawaii, Hawaii 1 $ 755,000 $ 755,000 $ 1,267,000
Bonner, Idaho 1 $ 1,205,000 $ 1,205,000 $ 636,000
Cook, Illinois 1 $ 3,685,000 $ 3,685,000 $ 1,259,000
Lake, Illinois 1 $ 175,000 $ 175,000 $ 80,000
Winnebago, Illinois 1 $ 245,000 $ 245,000 $ 101,000
Lake, Indiana 1 $ 505,000 $ 505,000 $ 135,000
Anderson, Kansas 1 $ 655,000 $ 655,000 $ 239,000
Clark, Kansas 1 $ 175,000 $ 175,000 $ 179,000
Graham, Kansas 1 $ 75,000 $ 75,000 $ 28,000
Smith, Kansas 1 $ 235,000 $ 235,000 $ 246,000
Jefferson, Louisiana 1 $ 555,000 $ 555,000 $ 204,000
Orleans, Louisiana 1 $ 475,000 $ 475,000 $ 162,000
St. Tammany, Louisiana 1 $ 605,000 $ 605,000 $ 192,000
Tangipahoa, Louisiana 1 $ 255,000 $ 255,000 $ 83,000
Middlesex, Massachusetts 1 $ 705,000 $ 705,000 $ 413,000
Alcona, Michigan 1 $ 155,000 $ 155,000 $ 177,000
Cass, Michigan 1 $ 125,000 $ 125,000 $ 99,000
Houghton, Michigan 1 $ 425,000 $ 425,000 $ 167,000
Hennepin, Minnesota 1 $ 805,000 $ 805,000 $ 276,000
Scott, Minnesota 1 $ 555,000 $ 555,000 $ 170,000
Pearl River, Mississippi 1 $ 135,000 $ 135,000 $ 99,000
Jackson, Missouri 1 $ 165,000 $ 165,000 $ 51,000
McDonald, Missouri 1 $ 65,000 $ 65,000 $ 26,000
Sullivan, Missouri 1 $ 285,000 $ 285,000 $ 78,000
Cascade, Montana 1 $ 335,000 $ 335,000 $ 74,000
Flathead, Montana 1 $ 2,705,000 $ 2,705,000 $ 800,000
Lake, Montana 1 $ 1,535,000 $ 1,535,000 $ 576,000
Madison, Montana 1 $ 355,000 $ 355,000 $ 134,000
Park, Montana 1 $ 485,000 $ 485,000 $ 270,000
Cheyenne, Nebraska 1 $ 115,000 $ 115,000 $ 77,000
Hall, Nebraska 1 $ 425,000 $ 425,000 $ 0
Keith, Nebraska 1 $ 215,000 $ 215,000 $ 90,000
Clark, Nevada 1 $ 435,000 $ 435,000 $ 155,000
Lyon, Nevada 1 $ 375,000 $ 375,000 $ 221,000
Washoe, Nevada 1 $ 385,000 $ 385,000 $ 140,000
Hillsborough, New Hampshire 1 $ 445,000 $ 445,000 $ 175,000
Union, New Jersey 1 $ 495,000 $ 495,000 $ 109,000
Bernalillo, New Mexico 1 $ 255,000 $ 255,000 $ 159,000
San Miguel, New Mexico 1 $ 235,000 $ 235,000 $ 214,000
Sandoval, New Mexico 1 $ 485,000 $ 485,000 $ 100,000
Taos, New Mexico 1 $ 175,000 $ 175,000 $ 140,000
Kings, New York 1 $ 2,885,000 $ 2,885,000 $ 4,307,000
Ontario, New York 1 $ 345,000 $ 345,000 $ 86,000
Ulster, New York 1 $ 345,000 $ 345,000 $ 162,000
Harnett, North Carolina 1 $ 345,000 $ 345,000 $ 94,000
Lee, North Carolina 1 $ 215,000 $ 215,000 $ 94,000
Onslow, North Carolina 1 $ 285,000 $ 285,000 $ 92,000
Pender, North Carolina 1 $ 755,000 $ 755,000 $ 422,000
Wake, North Carolina 1 $ 815,000 $ 815,000 $ 230,000
Fairfield, Ohio 1 $ 305,000 $ 305,000 $ 97,000
Hancock, Ohio 1 $ 125,000 $ 125,000 $ 192,000
Summit, Ohio 1 $ 105,000 $ 105,000 $ 53,000
Trumbull, Ohio 1 $ 505,000 $ 505,000 $ 218,000
Wood, Ohio 1 $ 85,000 $ 85,000 $ 215,000
Rogers, Oklahoma 1 $ 325,000 $ 325,000 $ 162,000
Clatsop, Oregon 1 $ 765,000 $ 765,000 $ 659,000
Jackson, Oregon 1 $ 225,000 $ 225,000 $ 61,000
Lane, Oregon 1 $ 1,105,000 $ 1,105,000 $ 341,000
Multnomah, Oregon 1 $ 245,000 $ 245,000 $ 155,000
Monroe, Pennsylvania 1 $ 315,000 $ 315,000 $ 323,000
Darlington, South Carolina 1 $ 525,000 $ 525,000 $ 356,000
Pennington, South Dakota 1 $ 305,000 $ 305,000 $ 82,000
Montgomery, Tennessee 1 $ 375,000 $ 375,000 $ 140,000
Bowie, Texas 1 $ 205,000 $ 205,000 $ 177,000
Denton, Texas 1 $ 25,000 $ 25,000 $ 108,000
Ellis, Texas 1 $ 435,000 $ 435,000 $ 272,000
Galveston, Texas 1 $ 905,000 $ 905,000 $ 365,000
Gregg, Texas 1 $ 275,000 $ 275,000 $ 89,000
Guadalupe, Texas 1 $ 335,000 $ 335,000 $ 140,000
Liberty, Texas 1 $ 605,000 $ 605,000 $ 182,000
Medina, Texas 1 $ 445,000 $ 445,000 $ 256,000
Montgomery, Texas 1 $ 485,000 $ 485,000 $ 175,000
Tom Green, Texas 1 $ 2,405,000 $ 2,405,000 $ 540,000
Grand, Utah 1 $ 605,000 $ 605,000 $ 124,000
Salt Lake, Utah 1 $ 635,000 $ 635,000 $ 5,529,000
Augusta, Virginia 1 $ 355,000 $ 355,000 $ 72,000
Richmond City, Virginia 1 $ 1,345,000 $ 1,345,000 $ 695,000
Benton, Washington 1 $ 695,000 $ 695,000 $ 220,000
Washington, Wisconsin 1 $ 175,000 $ 175,000 $ 162,000
Johnson, Wyoming 1 $ 665,000 $ 665,000 $ 209,000
Park, Wyoming 1 $ 525,000 $ 525,000 $ 369,000
Sublette, Wyoming 1 $ 635,000 $ 635,000 $ 218,000

Mortgage Loan Application Detail Totals for First Western Trust Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 964 $546,630,000 $567,000 $8,785,000 $257,000 $5,529,000
Refinancing 210 $161,130,000 $767,000 $12,355,000 $314,000 $2,930,000
Cash-out Refinancing 96 $96,430,000 $1,004,000 $8,005,000 $414,000 $3,423,000
Home Improvement 3 $5,915,000 $1,971,000 $2,805,000 $838,000 $1,207,000
Other Purpose 3 $11,295,000 $3,765,000 $7,805,000 $1,271,000 $1,980,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 849 $550,965,000 $648,000 $12,355,000 $298,000 $5,529,000
Not Provided 237 $157,465,000 $664,000 $11,625,000 $274,000 $4,307,000
Hispanic 77 $40,235,000 $522,000 $7,205,000 $195,000 $1,919,000
Asian 72 $41,170,000 $571,000 $1,255,000 $272,000 $2,030,000
Black or African American 28 $10,300,000 $367,000 $615,000 $129,000 $332,000
American Indian or Alaskan Native 7 $3,065,000 $437,000 $885,000 $294,000 $1,130,000
Not applicable 6 $18,200,000 $3,033,000 $8,785,000 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,052 $720,620,000 $685,000 $12,355,000 $315,000 $5,529,000
FHA-insured (Federal Housing Administration) 122 $47,190,000 $386,000 $845,000 $116,000 $363,000
VA-guaranteed (Veterans Administration) 98 $52,220,000 $532,000 $2,705,000 $146,000 $800,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $1,370,000 $342,000 $585,000 $104,000 $144,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 974 $636,880,000 $653,000 $12,355,000 $287,000 $5,529,000
Application Withdrawn By Applicant 219 $143,645,000 $655,000 $8,005,000 $281,000 $2,400,000
Application Approved But Not Accepted 53 $29,435,000 $555,000 $2,805,000 $289,000 $1,528,000
Loan Purchased By The Institution 21 $7,755,000 $369,000 $635,000 $111,000 $473,000
Application Denied By Financial Institution 7 $2,565,000 $366,000 $1,135,000 $189,000 $323,000
File Closed For Incompleteness 2 $1,120,000 $560,000 $765,000 $113,000 $134,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,269 $818,835,000 $645,000 $12,355,000 $283,000 $5,529,000
Credit History 3 $1,555,000 $518,000 $1,135,000 $110,000 $203,000
Debt-To-Income Ratio 2 $450,000 $225,000 $425,000 $187,000 $267,000
Other 2 $560,000 $280,000 $315,000 $311,000 $323,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Trust Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess First Western Trust Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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