First Western Trust Bank Mortgage Lending & HMDA Data, 2019

In 2019, First Western Trust Bank of Denver, CO reported 2,347 mortgage applications totaling $1.0 billion, up 60% from 2018. The average application was for $431,455, and applicants reported an average income of $186,877. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (1,269), Fort Collins, CO (393) and Greeley, CO (140) (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 2,347
Total Mortgage Loan Application Amount $1,012,625,000
Average Mortgage Loan Application Amount $431,455
Highest Mortgage Loan Application Amount $9,515,000
Average Applicant Income $186,877
Highest Applicant Income $7,578,000

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(HMDA) records First Western Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Denver, Colorado 399 $ 204,415,000 $ 512,318 $ 236,000
Larimer, Colorado 393 $ 131,935,000 $ 335,712 $ 136,000
Arapahoe, Colorado 357 $ 161,975,000 $ 453,711 $ 173,000
Douglas, Colorado 266 $ 119,240,000 $ 448,270 $ 174,000
Weld, Colorado 140 $ 53,840,000 $ 384,571 $ 108,000
Jefferson, Colorado 138 $ 56,590,000 $ 410,072 $ 159,000
Boulder, Colorado 76 $ 46,480,000 $ 611,578 $ 217,000
Adams, Colorado 69 $ 23,255,000 $ 337,028 $ 124,000
Maricopa, Arizona 32 $ 16,920,000 $ 528,750 $ 288,000
El Paso, Colorado 30 $ 8,910,000 $ 297,000 $ 104,000
Summit, Colorado 24 $ 13,060,000 $ 544,166 $ 514,000
Broomfield, Colorado 23 $ 11,735,000 $ 510,217 $ 219,000
Eagle, Colorado 20 $ 15,800,000 $ 790,000 $ 700,000
Grand, Colorado 18 $ 6,370,000 $ 353,888 $ 311,000
Pitkin, Colorado 16 $ 13,950,000 $ 871,875 $ 416,000
Teton, Wyoming 13 $ 5,635,000 $ 433,461 $ 170,000
Jackson, Missouri 12 $ 1,810,000 $ 150,833 $ 103,000
Los Angeles, California 9 $ 7,645,000 $ 849,444 $ 379,000
Stanislaus, California 9 $ 3,405,000 $ 378,333 $ 112,000
Miami-Dade, Florida 9 $ 3,465,000 $ 385,000 $ 109,000
Orange, California 8 $ 5,230,000 $ 653,750 $ 431,000
Elbert, Colorado 8 $ 3,640,000 $ 455,000 $ 158,000
Pueblo, Colorado 8 $ 1,820,000 $ 227,500 $ 87,000
Chaffee, Colorado 7 $ 2,535,000 $ 362,142 $ 120,000
Mesa, Colorado 7 $ 1,705,000 $ 243,571 $ 76,000
Escambia, Florida 7 $ 1,255,000 $ 179,285 $ 62,000
Laramie, Wyoming 7 $ 1,465,000 $ 209,285 $ 261,000
Park, Colorado 6 $ 1,690,000 $ 281,666 $ 383,000
Routt, Colorado 6 $ 3,380,000 $ 563,333 $ 358,000
Bonneville, Idaho 5 $ 615,000 $ 123,000 $ 216,000
Clark, Nevada 5 $ 1,395,000 $ 279,000 $ 383,000
Ventura, California 4 $ 1,960,000 $ 490,000 $ 114,000
Garfield, Colorado 4 $ 1,080,000 $ 270,000 $ 272,000
Morgan, Colorado 4 $ 1,090,000 $ 272,500 $ 60,000
Broward, Florida 4 $ 4,680,000 $ 1,170,000 $ 1,216,000
Salt Lake, Utah 4 $ 1,700,000 $ 425,000 $ 111,000
Pinal, Arizona 3 $ 525,000 $ 175,000 $ 68,000
Sacramento, California 3 $ 1,265,000 $ 421,666 $ 111,000
San Diego, California 3 $ 3,385,000 $ 1,128,333 $ 383,000
La Plata, Colorado 3 $ 955,000 $ 318,333 $ 325,000
Litchfield, Connecticut 3 $ 1,575,000 $ 525,000 $ 652,000
Lee, Florida 3 $ 585,000 $ 195,000 $ 123,000
Sarasota, Florida 3 $ 745,000 $ 248,333 $ 267,000
St. Johns, Florida 3 $ 875,000 $ 291,666 $ 0
Johnson, Kansas 3 $ 1,005,000 $ 335,000 $ 151,000
Gallatin, Montana 3 $ 1,185,000 $ 395,000 $ 177,000
Bexar, Texas 3 $ 505,000 $ 168,333 $ 168,000
Denton, Texas 3 $ 785,000 $ 261,666 $ 127,000
Clark, Washington 3 $ 975,000 $ 325,000 $ 132,000
Baldwin, Alabama 2 $ 590,000 $ 295,000 $ 391,000
El Dorado, California 2 $ 1,110,000 $ 555,000 $ 265,000
Monterey, California 2 $ 680,000 $ 340,000 $ 84,000
Riverside, California 2 $ 1,130,000 $ 565,000 $ 326,000
Santa Cruz, California 2 $ 1,370,000 $ 685,000 $ 147,000
Clear Creek, Colorado 2 $ 1,020,000 $ 510,000 $ 353,000
Gunnison, Colorado 2 $ 840,000 $ 420,000 $ 138,000
Montrose, Colorado 2 $ 620,000 $ 310,000 $ 84,000
New Castle, Delaware 2 $ 410,000 $ 205,000 $ 34,000
Collier, Florida 2 $ 1,410,000 $ 705,000 $ 406,000
Palm Beach, Florida 2 $ 770,000 $ 385,000 $ 87,000
Polk, Florida 2 $ 610,000 $ 305,000 $ 68,000
St. Lucie, Florida 2 $ 630,000 $ 315,000 $ 87,000
Maui, Hawaii 2 $ 570,000 $ 285,000 $ 116,000
Kootenai, Idaho 2 $ 540,000 $ 270,000 $ 133,000
Anne Arundel, Maryland 2 $ 900,000 $ 450,000 $ 0
Charles, Maryland 2 $ 620,000 $ 310,000 $ 67,000
Montgomery, Maryland 2 $ 630,000 $ 315,000 $ 52,000
Norfolk, Massachusetts 2 $ 600,000 $ 300,000 $ 30,000
Plymouth, Massachusetts 2 $ 780,000 $ 390,000 $ 0
Hall, Nebraska 2 $ 220,000 $ 110,000 $ 97,000
Essex, New Jersey 2 $ 790,000 $ 395,000 $ 0
Bernalillo, New Mexico 2 $ 300,000 $ 150,000 $ 185,000
Mecklenburg, North Carolina 2 $ 270,000 $ 135,000 $ 111,000
Cuyahoga, Ohio 2 $ 340,000 $ 170,000 $ 117,000
Deschutes, Oregon 2 $ 750,000 $ 375,000 $ 85,000
Williamson, Tennessee 2 $ 870,000 $ 435,000 $ 189,000
Dallas, Texas 2 $ 920,000 $ 460,000 $ 330,000
Wasatch, Utah 2 $ 740,000 $ 370,000 $ 104,000
Cowlitz, Washington 2 $ 560,000 $ 280,000 $ 21,000
King, Washington 2 $ 1,410,000 $ 705,000 $ 0
Pierce, Washington 2 $ 1,040,000 $ 520,000 $ 41,000
Spokane, Washington 2 $ 270,000 $ 135,000 $ 143,000
Pima, Arizona 1 $ 375,000 $ 375,000 $ 71,000
Benton, Arkansas 1 $ 315,000 $ 315,000 $ 162,000
Pulaski, Arkansas 1 $ 285,000 $ 285,000 $ 100,000
Washington, Arkansas 1 $ 165,000 $ 165,000 $ 45,000
Merced, California 1 $ 315,000 $ 315,000 $ 80,000
Placer, California 1 $ 465,000 $ 465,000 $ 179,000
Santa Barbara, California 1 $ 2,005,000 $ 2,005,000 $ 1,500,000
Archuleta, Colorado 1 $ 485,000 $ 485,000 $ 72,000
Crowley, Colorado 1 $ 185,000 $ 185,000 $ 81,000
Gilpin, Colorado 1 $ 465,000 $ 465,000 $ 111,000
Rio Grande, Colorado 1 $ 65,000 $ 65,000 $ 107,000
District of Columbia, District Of Columbia 1 $ 365,000 $ 365,000 $ 0
Duval, Florida 1 $ 195,000 $ 195,000 $ 104,000
Flagler, Florida 1 $ 485,000 $ 485,000 $ 203,000
Lake, Florida 1 $ 295,000 $ 295,000 $ 0
Manatee, Florida 1 $ 325,000 $ 325,000 $ 111,000
Pinellas, Florida 1 $ 125,000 $ 125,000 $ 113,000
Santa Rosa, Florida 1 $ 155,000 $ 155,000 $ 146,000
Chatham, Georgia 1 $ 135,000 $ 135,000 $ 126,000
Fulton, Georgia 1 $ 95,000 $ 95,000 $ 180,000
Hawaii, Hawaii 1 $ 495,000 $ 495,000 $ 404,000
Bonner, Idaho 1 $ 185,000 $ 185,000 $ 146,000
Teton, Idaho 1 $ 235,000 $ 235,000 $ 60,000
DuPage, Illinois 1 $ 415,000 $ 415,000 $ 215,000
Marion, Indiana 1 $ 205,000 $ 205,000 $ 68,000
Douglas, Kansas 1 $ 195,000 $ 195,000 $ 75,000
Jessamine, Kentucky 1 $ 185,000 $ 185,000 $ 90,000
Warren, Kentucky 1 $ 75,000 $ 75,000 $ 50,000
Cameron, Louisiana 1 $ 275,000 $ 275,000 $ 888,000
Orleans, Louisiana 1 $ 285,000 $ 285,000 $ 117,000
Ouachita, Louisiana 1 $ 255,000 $ 255,000 $ 75,000
St. Tammany, Louisiana 1 $ 1,325,000 $ 1,325,000 $ 1,200,000
Baltimore, Maryland 1 $ 325,000 $ 325,000 $ 0
Prince George's, Maryland 1 $ 335,000 $ 335,000 $ 0
Barnstable, Massachusetts 1 $ 1,355,000 $ 1,355,000 $ 491,000
Essex, Massachusetts 1 $ 395,000 $ 395,000 $ 0
Benton, Minnesota 1 $ 205,000 $ 205,000 $ 65,000
Carver, Minnesota 1 $ 235,000 $ 235,000 $ 55,000
Sibley, Minnesota 1 $ 135,000 $ 135,000 $ 116,000
Stearns, Minnesota 1 $ 135,000 $ 135,000 $ 130,000
Flathead, Montana 1 $ 855,000 $ 855,000 $ 456,000
Lancaster, Nebraska 1 $ 115,000 $ 115,000 $ 108,000
Washoe, Nevada 1 $ 105,000 $ 105,000 $ 74,000
Burlington, New Jersey 1 $ 255,000 $ 255,000 $ 0
Cape May, New Jersey 1 $ 265,000 $ 265,000 $ 106,000
Morris, New Jersey 1 $ 305,000 $ 305,000 $ 0
Ocean, New Jersey 1 $ 205,000 $ 205,000 $ 82,000
Union, New Jersey 1 $ 245,000 $ 245,000 $ 0
Otsego, New York 1 $ 105,000 $ 105,000 $ 103,000
Steuben, New York 1 $ 235,000 $ 235,000 $ 181,000
Carteret, North Carolina 1 $ 405,000 $ 405,000 $ 390,000
Montgomery, North Carolina 1 $ 1,145,000 $ 1,145,000 $ 976,000
Grand Forks, North Dakota 1 $ 155,000 $ 155,000 $ 247,000
Stark, North Dakota 1 $ 245,000 $ 245,000 $ 127,000
Franklin, Ohio 1 $ 255,000 $ 255,000 $ 115,000
Jefferson, Ohio 1 $ 95,000 $ 95,000 $ 38,000
Lake, Ohio 1 $ 95,000 $ 95,000 $ 174,000
Licking, Ohio 1 $ 385,000 $ 385,000 $ 273,000
Lucas, Ohio 1 $ 215,000 $ 215,000 $ 107,000
Medina, Ohio 1 $ 375,000 $ 375,000 $ 201,000
Delaware, Oklahoma 1 $ 435,000 $ 435,000 $ 178,000
Oklahoma, Oklahoma 1 $ 275,000 $ 275,000 $ 175,000
Multnomah, Oregon 1 $ 185,000 $ 185,000 $ 125,000
Yamhill, Oregon 1 $ 265,000 $ 265,000 $ 0
Chester, Pennsylvania 1 $ 245,000 $ 245,000 $ 411,000
Beaufort, South Carolina 1 $ 365,000 $ 365,000 $ 128,000
Charleston, South Carolina 1 $ 1,205,000 $ 1,205,000 $ 1,506,000
Laurens, South Carolina 1 $ 165,000 $ 165,000 $ 84,000
McCormick, South Carolina 1 $ 375,000 $ 375,000 $ 142,000
Union, South Dakota 1 $ 355,000 $ 355,000 $ 170,000
Hamilton, Tennessee 1 $ 365,000 $ 365,000 $ 199,000
Rutherford, Tennessee 1 $ 355,000 $ 355,000 $ 139,000
Bell, Texas 1 $ 175,000 $ 175,000 $ 112,000
Guadalupe, Texas 1 $ 145,000 $ 145,000 $ 238,000
Harris, Texas 1 $ 175,000 $ 175,000 $ 95,000
Hays, Texas 1 $ 155,000 $ 155,000 $ 83,000
Polk, Texas 1 $ 255,000 $ 255,000 $ 0
Tom Green, Texas 1 $ 165,000 $ 165,000 $ 63,000
Van Zandt, Texas 1 $ 305,000 $ 305,000 $ 0
Washington, Texas 1 $ 235,000 $ 235,000 $ 0
Williamson, Texas 1 $ 345,000 $ 345,000 $ 106,000
Utah, Utah 1 $ 315,000 $ 315,000 $ 108,000
Chesapeake, Virginia 1 $ 335,000 $ 335,000 $ 84,000
Lynchburg, Virginia 1 $ 115,000 $ 115,000 $ 558,000
Prince William, Virginia 1 $ 275,000 $ 275,000 $ 0
Stafford, Virginia 1 $ 315,000 $ 315,000 $ 0
Benton, Washington 1 $ 245,000 $ 245,000 $ 120,000
Snohomish, Washington 1 $ 715,000 $ 715,000 $ 0
Thurston, Washington 1 $ 305,000 $ 305,000 $ 0
Whatcom, Washington 1 $ 365,000 $ 365,000 $ 0
St. Croix, Wisconsin 1 $ 285,000 $ 285,000 $ 128,000
Albany, Wyoming 1 $ 265,000 $ 265,000 $ 102,000
Sublette, Wyoming 1 $ 485,000 $ 485,000 $ 173,000

Mortgage Loan Application Detail Totals for First Western Trust Bank in 2019

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 1,221 $527,245,000 $431,000 $9,515,000 $183,000 $5,152,000
Refinancing 670 $299,760,000 $447,000 $7,205,000 $194,000 $7,578,000
Cash-out Refinancing 432 $173,530,000 $401,000 $2,205,000 $176,000 $2,291,000
Other Purpose 15 $9,045,000 $603,000 $3,505,000 $458,000 $4,533,000
Home Improvement 9 $3,045,000 $338,000 $565,000 $253,000 $960,000
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 1,788 $766,860,000 $428,000 $7,205,000 $194,000 $7,578,000
Not Provided 200 $81,390,000 $406,000 $3,505,000 $166,000 $4,533,000
Asian 187 $81,305,000 $434,000 $1,315,000 $202,000 $1,752,000
Hispanic 104 $41,540,000 $399,000 $2,005,000 $144,000 $1,500,000
Black or African American 34 $10,690,000 $314,000 $555,000 $67,000 $176,000
Not applicable 11 $22,305,000 $2,027,000 $9,515,000 $0 $0
American Indian or Alaskan Native 3 $865,000 $288,000 $375,000 $121,000 $172,000
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) 2,080 $913,700,000 $439,000 $9,515,000 $202,000 $7,578,000
FHA-insured (Federal Housing Administration) 155 $54,715,000 $353,000 $725,000 $65,000 $360,000
VA-guaranteed (Veterans Administration) 107 $42,865,000 $400,000 $1,035,000 $88,000 $526,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $1,345,000 $269,000 $355,000 $76,000 $98,000

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 1,828 $786,660,000 $430,000 $9,515,000 $192,000 $7,578,000
Application Withdrawn By Applicant 371 $162,485,000 $437,000 $3,005,000 $178,000 $1,752,000
Application Approved But Not Accepted 101 $44,285,000 $438,000 $1,945,000 $167,000 $1,128,000
Application Denied By Financial Institution 37 $15,055,000 $406,000 $1,325,000 $112,000 $1,200,000
File Closed For Incompleteness 10 $4,140,000 $414,000 $715,000 $106,000 $453,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
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 2,310 $997,570,000 $431,000 $9,515,000 $188,000 $7,578,000
Credit History 18 $7,470,000 $415,000 $1,325,000 $123,000 $1,200,000
Employment History 6 $2,190,000 $365,000 $645,000 $86,000 $136,000
Debt-To-Income Ratio 5 $1,845,000 $369,000 $535,000 $87,000 $160,000
Collateral 3 $1,565,000 $521,000 $875,000 $201,000 $406,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,395,000 $465,000 $585,000 $102,000 $121,000
Other 1 $275,000 $275,000 $275,000 $86,000 $86,000
Unverifiable Information 1 $315,000 $315,000 $315,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Trust Bank's 2019 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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