First Western Trust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Western Trust Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 856 |
| Total Mortgage Loan Application Amount | $520,340,000 |
| Average Mortgage Loan Application Amount | $1,072,600 |
| Highest Mortgage Loan Application Amount | $10,155,000 |
| Average Applicant Income | $464,400 |
| Highest Applicant Income | $7,650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with First Western Trust Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Western Trust Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down First Western Trust Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Western Trust Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Western Trust Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Western Trust Bank's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Larimer County Colorado | 187 | $ 85,845,000 | $ 459,000 | $ 188,000 |
| Douglas County Colorado | 89 | $ 58,275,000 | $ 654,000 | $ 321,000 |
| Arapahoe County Colorado | 66 | $ 42,930,000 | $ 650,000 | $ 246,000 |
| Maricopa County Arizona | 56 | $ 40,860,000 | $ 729,000 | $ 285,000 |
| Denver County Colorado | 54 | $ 37,340,000 | $ 691,000 | $ 292,000 |
| Weld County Colorado | 46 | $ 25,710,000 | $ 558,000 | $ 266,000 |
| Jefferson County Colorado | 29 | $ 16,085,000 | $ 554,000 | $ 210,000 |
| Teton County Wyoming | 20 | $ 28,320,000 | $ 1,416,000 | $ 504,000 |
| Adams County Colorado | 18 | $ 9,040,000 | $ 502,000 | $ 252,000 |
| El Paso County Colorado | 16 | $ 10,600,000 | $ 662,000 | $ 442,000 |
| Eagle County Colorado | 15 | $ 15,915,000 | $ 1,061,000 | $ 574,000 |
| Boulder County Colorado | 14 | $ 14,060,000 | $ 1,004,000 | $ 496,000 |
| Broomfield County Colorado | 9 | $ 5,915,000 | $ 657,000 | $ 225,000 |
| Teton County Idaho | 9 | $ 4,985,000 | $ 553,000 | $ 273,000 |
| Pitkin County Colorado | 6 | $ 15,870,000 | $ 2,645,000 | $ 1,210,000 |
| Laramie County Wyoming | 6 | $ 2,720,000 | $ 453,000 | $ 188,000 |
| Los Angeles County California | 5 | $ 3,715,000 | $ 743,000 | $ 1,736,000 |
| Clark County Nevada | 5 | $ 1,665,000 | $ 333,000 | $ 417,000 |
| Pima County Arizona | 4 | $ 1,870,000 | $ 467,000 | $ 189,000 |
| Pinal County Arizona | 4 | $ 1,370,000 | $ 342,000 | $ 76,000 |
| Yavapai County Arizona | 3 | $ 1,035,000 | $ 345,000 | $ 160,000 |
| San Diego County California | 3 | $ 1,485,000 | $ 495,000 | $ 158,000 |
| Garfield County Colorado | 3 | $ 1,565,000 | $ 521,000 | $ 220,000 |
| Grand County Colorado | 3 | $ 3,585,000 | $ 1,195,000 | $ 392,000 |
| Gunnison County Colorado | 3 | $ 1,425,000 | $ 475,000 | $ 343,000 |
| Routt County Colorado | 3 | $ 4,235,000 | $ 1,411,000 | $ 1,186,000 |
| Summit County Colorado | 3 | $ 2,755,000 | $ 918,000 | $ 651,000 |
| New Haven County Connecticut | 3 | $ 4,355,000 | $ 1,451,000 | $ 1,032,000 |
| Hillsborough County Florida | 3 | $ 1,265,000 | $ 421,000 | $ 193,000 |
| Lee County Florida | 3 | $ 1,665,000 | $ 555,000 | $ 172,000 |
| Miami-Dade County Florida | 3 | $ 1,535,000 | $ 511,000 | $ 228,000 |
| Yellowstone County Montana | 3 | $ 955,000 | $ 318,000 | $ 108,000 |
| Chautauqua County New York | 3 | $ 155,000 | $ 51,000 | $ 170,000 |
| King County Washington | 3 | $ 3,285,000 | $ 1,095,000 | $ 373,000 |
| Lincoln County Wyoming | 3 | $ 2,005,000 | $ 668,000 | $ 302,000 |
| Sweetwater County Wyoming | 3 | $ 675,000 | $ 225,000 | $ 94,000 |
| Benton County Arkansas | 2 | $ 460,000 | $ 230,000 | $ 128,000 |
| Orange County California | 2 | $ 2,490,000 | $ 1,245,000 | $ 277,000 |
| Clear Creek County Colorado | 2 | $ 570,000 | $ 285,000 | $ 73,000 |
| Elbert County Colorado | 2 | $ 1,450,000 | $ 725,000 | $ 228,000 |
| Montezuma County Colorado | 2 | $ 860,000 | $ 430,000 | $ 155,000 |
| Pueblo County Colorado | 2 | $ 610,000 | $ 305,000 | $ 178,000 |
| Broward County Florida | 2 | $ 860,000 | $ 430,000 | $ 295,000 |
| Palm Beach County Florida | 2 | $ 450,000 | $ 225,000 | $ 393,000 |
| Fulton County Georgia | 2 | $ 1,320,000 | $ 660,000 | $ 256,000 |
| Gwinnett County Georgia | 2 | $ 1,200,000 | $ 600,000 | $ 101,000 |
| Madison County Idaho | 2 | $ 430,000 | $ 215,000 | $ 70,000 |
| Madison County Illinois | 2 | $ 570,000 | $ 285,000 | $ 1,580,000 |
| McHenry County Illinois | 2 | $ 320,000 | $ 160,000 | $ 48,000 |
| Marion County Indiana | 2 | $ 280,000 | $ 140,000 | $ 160,000 |
| Charles County Maryland | 2 | $ 720,000 | $ 360,000 | $ 96,000 |
| Durham County North Carolina | 2 | $ 890,000 | $ 445,000 | $ 348,000 |
| New Hanover County North Carolina | 2 | $ 500,000 | $ 250,000 | $ 110,000 |
| Hamilton County Ohio | 2 | $ 360,000 | $ 180,000 | $ 76,000 |
| Lucas County Ohio | 2 | $ 280,000 | $ 140,000 | $ 170,000 |
| Lane County Oregon | 2 | $ 590,000 | $ 295,000 | $ 59,000 |
| Lancaster County Pennsylvania | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Charleston County South Carolina | 2 | $ 1,040,000 | $ 520,000 | $ 214,000 |
| Collin County Texas | 2 | $ 1,120,000 | $ 560,000 | $ 228,000 |
| Dallas County Texas | 2 | $ 650,000 | $ 325,000 | $ 170,000 |
| Harris County Texas | 2 | $ 1,010,000 | $ 505,000 | $ 231,000 |
| Weber County Utah | 2 | $ 610,000 | $ 305,000 | $ 90,000 |
| Benton County Washington | 2 | $ 880,000 | $ 440,000 | $ 256,000 |
| Sublette County Wyoming | 2 | $ 970,000 | $ 485,000 | $ 225,000 |
| St. Clair County Alabama | 1 | $ 325,000 | $ 325,000 | $ 148,000 |
| Anchorage County Alaska | 1 | $ 395,000 | $ 395,000 | $ 66,000 |
| Cochise County Arizona | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Gila County Arizona | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Marin County California | 1 | $ 755,000 | $ 755,000 | $ 365,000 |
| Nevada County California | 1 | $ 1,155,000 | $ 1,155,000 | $ 430,000 |
| San Mateo County California | 1 | $ 1,075,000 | $ 1,075,000 | $ 303,000 |
| Santa Clara County California | 1 | $ 1,015,000 | $ 1,015,000 | $ 273,000 |
| Ventura County California | 1 | $ 725,000 | $ 725,000 | $ 226,000 |
| Fremont County Colorado | 1 | $ 165,000 | $ 165,000 | $ 203,000 |
| Kit Carson County Colorado | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Las Animas County Colorado | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Logan County Colorado | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Mesa County Colorado | 1 | $ 405,000 | $ 405,000 | $ 353,000 |
| Rio Grande County Colorado | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| San Miguel County Colorado | 1 | $ 5,705,000 | $ 5,705,000 | $ 2,067,000 |
| Teller County Colorado | 1 | $ 295,000 | $ 295,000 | $ 185,000 |
| Washington County Colorado | 1 | $ 725,000 | $ 725,000 | $ 236,000 |
| Fairfield County Connecticut | 1 | $ 565,000 | $ 565,000 | $ 200,000 |
| District of Columbia County District Of Columbia | 1 | $ 545,000 | $ 545,000 | $ 127,000 |
| Citrus County Florida | 1 | $ 355,000 | $ 355,000 | $ 87,000 |
| Marion County Florida | 1 | $ 535,000 | $ 535,000 | $ 111,000 |
| Orange County Florida | 1 | $ 545,000 | $ 545,000 | $ 137,000 |
| Pinellas County Florida | 1 | $ 375,000 | $ 375,000 | $ 92,000 |
| Putnam County Florida | 1 | $ 275,000 | $ 275,000 | $ 250,000 |
| Volusia County Florida | 1 | $ 405,000 | $ 405,000 | $ 62,000 |
| Walton County Florida | 1 | $ 945,000 | $ 945,000 | $ 320,000 |
| Douglas County Georgia | 1 | $ 285,000 | $ 285,000 | $ 193,000 |
| Fannin County Georgia | 1 | $ 615,000 | $ 615,000 | $ 343,000 |
| Floyd County Georgia | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
| Hawaii County Hawaii | 1 | $ 875,000 | $ 875,000 | $ 902,000 |
| Kootenai County Idaho | 1 | $ 725,000 | $ 725,000 | $ 175,000 |
| Cook County Illinois | 1 | $ 365,000 | $ 365,000 | $ 111,000 |
| St. Clair County Illinois | 1 | $ 395,000 | $ 395,000 | $ 224,000 |
| Porter County Indiana | 1 | $ 195,000 | $ 195,000 | $ 34,000 |
| Warrick County Indiana | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Cheyenne County Kansas | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Johnson County Kansas | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Riley County Kansas | 1 | $ 175,000 | $ 175,000 | $ 120,000 |
| Wyandotte County Kansas | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Jefferson County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 118,000 |
| Trigg County Kentucky | 1 | $ 475,000 | $ 475,000 | $ 581,000 |
| Berrien County Michigan | 1 | $ 435,000 | $ 435,000 | $ 152,000 |
| Hillsdale County Michigan | 1 | $ 75,000 | $ 75,000 | $ 156,000 |
| Crow Wing County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 375,000 |
| Camden County Missouri | 1 | $ 575,000 | $ 575,000 | $ 380,000 |
| Jackson County Missouri | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Nodaway County Missouri | 1 | $ 275,000 | $ 275,000 | $ 144,000 |
| St. Charles County Missouri | 1 | $ 455,000 | $ 455,000 | $ 132,000 |
| Wayne County Missouri | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Gallatin County Montana | 1 | $ 725,000 | $ 725,000 | $ 164,000 |
| Lewis and Clark County Montana | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Douglas County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 369,000 |
| Lancaster County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Morris County New Jersey | 1 | $ 415,000 | $ 415,000 | $ 110,000 |
| Santa Fe County New Mexico | 1 | $ 1,205,000 | $ 1,205,000 | $ 544,000 |
| Erie County New York | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
| Kings County New York | 1 | $ 275,000 | $ 275,000 | $ 2,500,000 |
| Cumberland County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 510,000 |
| Guilford County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 379,000 |
| Haywood County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 75,000 |
| Moore County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 146,000 |
| Onslow County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Orange County North Carolina | 1 | $ 1,045,000 | $ 1,045,000 | $ 368,000 |
| Wake County North Carolina | 1 | $ 885,000 | $ 885,000 | $ 271,000 |
| Canadian County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| Cleveland County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 399,000 |
| Delaware County Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 223,000 |
| Tulsa County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 252,000 |
| Woodward County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Carbon County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| Chester County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 286,000 |
| Erie County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Wayne County Pennsylvania | 1 | $ 585,000 | $ 585,000 | $ 345,000 |
| Horry County South Carolina | 1 | $ 445,000 | $ 445,000 | $ 405,000 |
| Sumter County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Beadle County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 142,000 |
| Davidson County Tennessee | 1 | $ 1,885,000 | $ 1,885,000 | $ 1,921,000 |
| Shelby County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 216,000 |
| Bexar County Texas | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Comal County Texas | 1 | $ 555,000 | $ 555,000 | $ 150,000 |
| Johnson County Texas | 1 | $ 465,000 | $ 465,000 | $ 237,000 |
| Lavaca County Texas | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Nueces County Texas | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Travis County Texas | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Grand County Utah | 1 | $ 605,000 | $ 605,000 | $ 204,000 |
| Millard County Utah | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Windham County Vermont | 1 | $ 575,000 | $ 575,000 | $ 257,000 |
| Westmoreland County Virginia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cowlitz County Washington | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Spokane County Washington | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Thurston County Washington | 1 | $ 505,000 | $ 505,000 | $ 167,000 |
| Eau Claire County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 348,000 |
| Natrona County Wyoming | 1 | $ 495,000 | $ 495,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for First Western Trust Bank in 2023
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 | 767 | $435,875,000 | $568,000 | $6,605,000 | $267,000 | $7,650,000 |
| Cash-out Refinancing | 60 | $47,160,000 | $786,000 | $10,005,000 | $388,000 | $3,807,000 |
| Refinancing | 24 | $32,740,000 | $1,364,000 | $10,155,000 | $648,000 | $2,997,000 |
| Home Improvement | 4 | $2,560,000 | $640,000 | $1,645,000 | $243,000 | $350,000 |
| Other Purpose | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $776,000 | $776,000 |
| 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 | 560 | $340,200,000 | $607,000 | $10,155,000 | $283,000 | $3,298,000 |
| Not Provided | 139 | $80,875,000 | $581,000 | $5,705,000 | $254,000 | $3,807,000 |
| Asian | 75 | $46,595,000 | $621,000 | $1,805,000 | $258,000 | $3,384,000 |
| Hispanic | 32 | $15,220,000 | $475,000 | $1,265,000 | $184,000 | $1,077,000 |
| Black or African American | 6 | $3,120,000 | $520,000 | $795,000 | $1,421,000 | $7,650,000 |
| Not applicable | 6 | $9,710,000 | $1,618,000 | $4,635,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $3,965,000 | $793,000 | $1,595,000 | $561,000 | $1,480,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,280,000 | $640,000 | $975,000 | $162,000 | $266,000 |
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) | 738 | $461,030,000 | $624,000 | $10,155,000 | $308,000 | $7,650,000 |
| VA-guaranteed (Veterans Administration) | 87 | $44,045,000 | $506,000 | $1,955,000 | $144,000 | $535,000 |
| FHA-insured (Federal Housing Administration) | 30 | $14,910,000 | $497,000 | $825,000 | $152,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $355,000 | $355,000 | $355,000 | $87,000 | $87,000 |
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 | 647 | $386,985,000 | $598,000 | $10,005,000 | $275,000 | $7,650,000 |
| Application Withdrawn By Applicant | 146 | $89,100,000 | $610,000 | $6,605,000 | $255,000 | $2,314,000 |
| Application Approved But Not Accepted | 35 | $28,085,000 | $802,000 | $10,155,000 | $434,000 | $3,807,000 |
| File Closed For Incompleteness | 18 | $13,030,000 | $723,000 | $2,005,000 | $701,000 | $5,328,000 |
| Application Denied By Financial Institution | 10 | $3,140,000 | $314,000 | $595,000 | $160,000 | $348,000 |
| 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 | 846 | $517,200,000 | $611,000 | $10,155,000 | $287,000 | $7,650,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $670,000 | $335,000 | $435,000 | $249,000 | $348,000 |
| Collateral | 2 | $210,000 | $105,000 | $105,000 | $123,000 | $196,000 |
| Credit History | 2 | $740,000 | $370,000 | $475,000 | $88,000 | $93,000 |
| Debt-To-Income Ratio | 2 | $940,000 | $470,000 | $595,000 | $200,000 | $216,000 |
| Employment History | 1 | $505,000 | $505,000 | $505,000 | $121,000 | $121,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $156,000 | $156,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Trust Bank's 2023 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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