First Western Trust Bank Mortgage Lending & HMDA Data, 2024

In 2024, First Western Trust Bank of Denver, CO reported 1,226 mortgage applications totaling $688.4 million, up 43% from 2023. The average application was for $561,484, and applicants reported an average income of $240,194. 73% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (329), Fort Collins, CO (323) and Greeley, CO (100) (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 1,226
Total Mortgage Loan Application Amount $688,380,000
Average Mortgage Loan Application Amount $561,484
Highest Mortgage Loan Application Amount $12,005,000
Average Applicant Income $240,194
Highest Applicant Income $3,310,000

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(HMDA) records First Western Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Larimer, Colorado 323 $ 160,265,000 $ 496,176 $ 194,000
Weld, Colorado 100 $ 42,220,000 $ 422,200 $ 183,000
Denver, Colorado 85 $ 63,105,000 $ 742,411 $ 307,000
Arapahoe, Colorado 79 $ 43,585,000 $ 551,708 $ 218,000
Douglas, Colorado 69 $ 42,745,000 $ 619,492 $ 315,000
Laramie, Wyoming 65 $ 23,105,000 $ 355,461 $ 118,000
Maricopa, Arizona 54 $ 44,240,000 $ 819,259 $ 265,000
Jefferson, Colorado 46 $ 27,360,000 $ 594,782 $ 240,000
Adams, Colorado 44 $ 22,000,000 $ 500,000 $ 278,000
Teton, Wyoming 30 $ 38,300,000 $ 1,276,666 $ 454,000
Boulder, Colorado 17 $ 10,715,000 $ 630,294 $ 331,000
El Paso, Colorado 15 $ 8,645,000 $ 576,333 $ 185,000
Eagle, Colorado 12 $ 15,620,000 $ 1,301,666 $ 660,000
Gunnison, Colorado 11 $ 6,215,000 $ 565,000 $ 358,000
Pitkin, Colorado 11 $ 14,175,000 $ 1,288,636 $ 798,000
Teton, Idaho 8 $ 5,120,000 $ 640,000 $ 322,000
Dallas, Texas 7 $ 3,585,000 $ 512,142 $ 159,000
Mesa, Colorado 6 $ 1,750,000 $ 291,666 $ 113,000
Sarasota, Florida 6 $ 2,360,000 $ 393,333 $ 223,000
Garland, Arkansas 5 $ 525,000 $ 105,000 $ 97,000
Grand, Colorado 5 $ 3,105,000 $ 621,000 $ 425,000
Chautauqua, New York 5 $ 345,000 $ 69,000 $ 189,000
Benton, Washington 5 $ 1,925,000 $ 385,000 $ 125,000
Yavapai, Arizona 4 $ 3,530,000 $ 882,500 $ 259,000
Garfield, Colorado 4 $ 6,100,000 $ 1,525,000 $ 129,000
Park, Colorado 4 $ 2,130,000 $ 532,500 $ 308,000
Albany, Wyoming 4 $ 1,740,000 $ 435,000 $ 390,000
Mohave, Arizona 3 $ 965,000 $ 321,666 $ 176,000
San Diego, California 3 $ 1,365,000 $ 455,000 $ 189,000
Santa Clara, California 3 $ 1,675,000 $ 558,333 $ 238,000
Phillips, Colorado 3 $ 535,000 $ 178,333 $ 109,000
Miami-Dade, Florida 3 $ 1,735,000 $ 578,333 $ 210,000
Palm Beach, Florida 3 $ 855,000 $ 285,000 $ 303,000
Gallatin, Montana 3 $ 2,705,000 $ 901,666 $ 780,000
Sarpy, Nebraska 3 $ 1,345,000 $ 448,333 $ 255,000
Hancock, Ohio 3 $ 325,000 $ 108,333 $ 193,000
Benton, Oregon 3 $ 1,045,000 $ 348,333 $ 533,000
Sevier, Tennessee 3 $ 1,655,000 $ 551,666 $ 296,000
King, Washington 3 $ 2,055,000 $ 685,000 $ 175,000
Platte, Wyoming 3 $ 795,000 $ 265,000 $ 82,000
Pima, Arizona 2 $ 720,000 $ 360,000 $ 203,000
Yuma, Arizona 2 $ 500,000 $ 250,000 $ 60,000
Contra Costa, California 2 $ 3,470,000 $ 1,735,000 $ 538,000
Los Angeles, California 2 $ 1,230,000 $ 615,000 $ 344,000
Orange, California 2 $ 890,000 $ 445,000 $ 147,000
Logan, Colorado 2 $ 810,000 $ 405,000 $ 175,000
Morgan, Colorado 2 $ 780,000 $ 390,000 $ 107,000
Pueblo, Colorado 2 $ 580,000 $ 290,000 $ 73,000
Summit, Colorado 2 $ 1,530,000 $ 765,000 $ 627,000
Collier, Florida 2 $ 1,800,000 $ 900,000 $ 334,000
Lee, Florida 2 $ 1,300,000 $ 650,000 $ 123,000
St. Johns, Florida 2 $ 1,170,000 $ 585,000 $ 212,000
Hawaii, Hawaii 2 $ 580,000 $ 290,000 $ 554,000
Madison, Idaho 2 $ 310,000 $ 155,000 $ 79,000
Charles, Maryland 2 $ 760,000 $ 380,000 $ 52,000
Hillsdale, Michigan 2 $ 390,000 $ 195,000 $ 180,000
St. Louis City, Missouri 2 $ 720,000 $ 360,000 $ 85,000
Lewis and Clark, Montana 2 $ 1,630,000 $ 815,000 $ 186,000
Madison, Montana 2 $ 790,000 $ 395,000 $ 159,000
Yellowstone, Montana 2 $ 820,000 $ 410,000 $ 94,000
Westchester, New York 2 $ 1,950,000 $ 975,000 $ 449,000
Mecklenburg, North Carolina 2 $ 960,000 $ 480,000 $ 191,000
Lucas, Ohio 2 $ 160,000 $ 80,000 $ 193,000
Tulsa, Oklahoma 2 $ 840,000 $ 420,000 $ 155,000
Davidson, Tennessee 2 $ 1,130,000 $ 565,000 $ 480,000
Salt Lake, Utah 2 $ 520,000 $ 260,000 $ 132,000
Goshen, Wyoming 2 $ 1,440,000 $ 720,000 $ 233,000
Lincoln, Wyoming 2 $ 1,190,000 $ 595,000 $ 242,000
Sublette, Wyoming 2 $ 820,000 $ 410,000 $ 133,000
Limestone, Alabama 1 $ 375,000 $ 375,000 $ 158,000
Coconino, Arizona 1 $ 4,655,000 $ 4,655,000 $ 2,306,000
Gila, Arizona 1 $ 655,000 $ 655,000 $ 378,000
Pinal, Arizona 1 $ 555,000 $ 555,000 $ 265,000
El Dorado, California 1 $ 435,000 $ 435,000 $ 155,000
Madera, California 1 $ 375,000 $ 375,000 $ 68,000
Placer, California 1 $ 485,000 $ 485,000 $ 155,000
Sacramento, California 1 $ 515,000 $ 515,000 $ 105,000
San Francisco, California 1 $ 995,000 $ 995,000 $ 500,000
San Luis Obispo, California 1 $ 905,000 $ 905,000 $ 110,000
Stanislaus, California 1 $ 165,000 $ 165,000 $ 69,000
Yolo, California 1 $ 1,225,000 $ 1,225,000 $ 355,000
Broomfield, Colorado 1 $ 455,000 $ 455,000 $ 165,000
Custer, Colorado 1 $ 415,000 $ 415,000 $ 361,000
Elbert, Colorado 1 $ 285,000 $ 285,000 $ 190,000
Fremont, Colorado 1 $ 295,000 $ 295,000 $ 187,000
Huerfano, Colorado 1 $ 225,000 $ 225,000 $ 259,000
Jackson, Colorado 1 $ 375,000 $ 375,000 $ 458,000
Moffat, Colorado 1 $ 275,000 $ 275,000 $ 170,000
Montrose, Colorado 1 $ 405,000 $ 405,000 $ 160,000
Sedgwick, Colorado 1 $ 235,000 $ 235,000 $ 101,000
Teller, Colorado 1 $ 305,000 $ 305,000 $ 180,000
Broward, Florida 1 $ 505,000 $ 505,000 $ 72,000
Escambia, Florida 1 $ 265,000 $ 265,000 $ 264,000
Bartow, Georgia 1 $ 295,000 $ 295,000 $ 210,000
Cherokee, Georgia 1 $ 605,000 $ 605,000 $ 130,000
Floyd, Georgia 1 $ 245,000 $ 245,000 $ 141,000
Paulding, Georgia 1 $ 375,000 $ 375,000 $ 104,000
Pickens, Georgia 1 $ 795,000 $ 795,000 $ 405,000
Canyon, Idaho 1 $ 345,000 $ 345,000 $ 125,000
Lincoln, Idaho 1 $ 355,000 $ 355,000 $ 142,000
Cook, Illinois 1 $ 145,000 $ 145,000 $ 70,000
DuPage, Illinois 1 $ 265,000 $ 265,000 $ 106,000
Marion, Indiana 1 $ 335,000 $ 335,000 $ 225,000
Vigo, Indiana 1 $ 155,000 $ 155,000 $ 70,000
Woodbury, Iowa 1 $ 325,000 $ 325,000 $ 74,000
Sedgwick, Kansas 1 $ 205,000 $ 205,000 $ 77,000
Jefferson, Kentucky 1 $ 115,000 $ 115,000 $ 152,000
Baltimore, Maryland 1 $ 695,000 $ 695,000 $ 144,000
Baltimore City, Maryland 1 $ 365,000 $ 365,000 $ 80,000
Carroll, Maryland 1 $ 735,000 $ 735,000 $ 148,000
Frederick, Maryland 1 $ 745,000 $ 745,000 $ 230,000
Berrien, Michigan 1 $ 295,000 $ 295,000 $ 103,000
Cass, Michigan 1 $ 55,000 $ 55,000 $ 91,000
Grand Traverse, Michigan 1 $ 285,000 $ 285,000 $ 1,410,000
Washtenaw, Michigan 1 $ 165,000 $ 165,000 $ 246,000
Isanti, Minnesota 1 $ 265,000 $ 265,000 $ 98,000
Nicollet, Minnesota 1 $ 105,000 $ 105,000 $ 178,000
Itawamba, Mississippi 1 $ 245,000 $ 245,000 $ 87,000
Lafayette, Mississippi 1 $ 475,000 $ 475,000 $ 719,000
Boone, Missouri 1 $ 135,000 $ 135,000 $ 299,000
St. Charles, Missouri 1 $ 455,000 $ 455,000 $ 0
St. Louis, Missouri 1 $ 355,000 $ 355,000 $ 71,000
Flathead, Montana 1 $ 495,000 $ 495,000 $ 200,000
Missoula, Montana 1 $ 395,000 $ 395,000 $ 80,000
Hall, Nebraska 1 $ 405,000 $ 405,000 $ 137,000
Clark, Nevada 1 $ 405,000 $ 405,000 $ 90,000
Passaic, New Jersey 1 $ 525,000 $ 525,000 $ 279,000
Bernalillo, New Mexico 1 $ 395,000 $ 395,000 $ 100,000
Catron, New Mexico 1 $ 255,000 $ 255,000 $ 149,000
Santa Fe, New Mexico 1 $ 1,755,000 $ 1,755,000 $ 550,000
Dutchess, New York 1 $ 265,000 $ 265,000 $ 65,000
Suffolk, New York 1 $ 215,000 $ 215,000 $ 366,000
Buncombe, North Carolina 1 $ 505,000 $ 505,000 $ 278,000
Durham, North Carolina 1 $ 345,000 $ 345,000 $ 86,000
New Hanover, North Carolina 1 $ 255,000 $ 255,000 $ 113,000
Union, North Carolina 1 $ 515,000 $ 515,000 $ 194,000
Cuyahoga, Ohio 1 $ 105,000 $ 105,000 $ 340,000
Fairfield, Ohio 1 $ 365,000 $ 365,000 $ 92,000
Lake, Ohio 1 $ 125,000 $ 125,000 $ 340,000
Wood, Ohio 1 $ 135,000 $ 135,000 $ 211,000
Cleveland, Oklahoma 1 $ 355,000 $ 355,000 $ 182,000
Le Flore, Oklahoma 1 $ 565,000 $ 565,000 $ 206,000
Oklahoma, Oklahoma 1 $ 215,000 $ 215,000 $ 238,000
Adams, Pennsylvania 1 $ 295,000 $ 295,000 $ 73,000
Allegheny, Pennsylvania 1 $ 225,000 $ 225,000 $ 56,000
Monroe, Pennsylvania 1 $ 345,000 $ 345,000 $ 110,000
Dorchester, South Carolina 1 $ 345,000 $ 345,000 $ 109,000
McCormick, South Carolina 1 $ 255,000 $ 255,000 $ 233,000
Bradley, Tennessee 1 $ 495,000 $ 495,000 $ 170,000
Maury, Tennessee 1 $ 285,000 $ 285,000 $ 154,000
Overton, Tennessee 1 $ 255,000 $ 255,000 $ 84,000
Bell, Texas 1 $ 285,000 $ 285,000 $ 185,000
Bowie, Texas 1 $ 205,000 $ 205,000 $ 92,000
Burnet, Texas 1 $ 475,000 $ 475,000 $ 429,000
Collin, Texas 1 $ 655,000 $ 655,000 $ 331,000
Harris, Texas 1 $ 595,000 $ 595,000 $ 275,000
Johnson, Texas 1 $ 755,000 $ 755,000 $ 150,000
Karnes, Texas 1 $ 305,000 $ 305,000 $ 110,000
Lubbock, Texas 1 $ 295,000 $ 295,000 $ 105,000
Nueces, Texas 1 $ 705,000 $ 705,000 $ 422,000
Tarrant, Texas 1 $ 705,000 $ 705,000 $ 636,000
Washington, Utah 1 $ 265,000 $ 265,000 $ 70,000
Alexandria, Virginia 1 $ 1,205,000 $ 1,205,000 $ 475,000
Chesapeake, Virginia 1 $ 555,000 $ 555,000 $ 227,000
Newport News, Virginia 1 $ 305,000 $ 305,000 $ 99,000
Wythe, Virginia 1 $ 65,000 $ 65,000 $ 27,000
Thurston, Washington 1 $ 515,000 $ 515,000 $ 0
Grant, Wisconsin 1 $ 795,000 $ 795,000 $ 209,000
Sauk, Wisconsin 1 $ 285,000 $ 285,000 $ 83,000
Sheboygan, Wisconsin 1 $ 265,000 $ 265,000 $ 99,000
Carbon, Wyoming 1 $ 395,000 $ 395,000 $ 138,000
Natrona, Wyoming 1 $ 245,000 $ 245,000 $ 100,000
Sweetwater, Wyoming 1 $ 355,000 $ 355,000 $ 137,000

Mortgage Loan Application Detail Totals for First Western Trust Bank in 2024

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 1,011 $534,925,000 $529,000 $12,005,000 $225,000 $3,310,000
Refinancing 130 $90,090,000 $693,000 $10,205,000 $292,000 $3,001,000
Cash-out Refinancing 81 $56,495,000 $697,000 $5,505,000 $318,000 $1,999,000
Other Purpose 3 $6,265,000 $2,088,000 $4,655,000 $1,015,000 $2,306,000
Home Improvement 1 $605,000 $605,000 $605,000 $0 $0
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 811 $433,765,000 $534,000 $10,205,000 $243,000 $3,001,000
Not Provided 210 $120,620,000 $574,000 $5,625,000 $244,000 $1,704,000
Asian 93 $57,355,000 $616,000 $3,885,000 $277,000 $3,310,000
Hispanic 78 $33,950,000 $435,000 $1,885,000 $180,000 $1,077,000
Black or African American 15 $6,265,000 $417,000 $745,000 $172,000 $500,000
American Indian or Alaskan Native 9 $3,665,000 $407,000 $655,000 $169,000 $378,000
Not applicable 8 $32,040,000 $4,005,000 $12,005,000 $0 $0
Native Hawaiian or Other Pacific Islander 2 $720,000 $360,000 $365,000 $101,000 $106,000

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) 993 $577,865,000 $581,000 $12,005,000 $265,000 $3,310,000
VA-guaranteed (Veterans Administration) 128 $68,110,000 $532,000 $1,385,000 $136,000 $550,000
FHA-insured (Federal Housing Administration) 105 $42,405,000 $403,000 $785,000 $133,000 $1,489,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 890 $504,250,000 $566,000 $12,005,000 $232,000 $3,001,000
Application Withdrawn By Applicant 220 $116,940,000 $531,000 $3,885,000 $257,000 $3,310,000
Loan Purchased By The Institution 56 $22,830,000 $407,000 $765,000 $301,000 $2,308,000
Application Approved But Not Accepted 49 $30,245,000 $617,000 $2,985,000 $248,000 $917,000
Application Denied By Financial Institution 9 $13,415,000 $1,490,000 $10,125,000 $169,000 $747,000
File Closed For Incompleteness 2 $700,000 $350,000 $385,000 $306,000 $534,000
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 1,217 $674,965,000 $554,000 $12,005,000 $240,000 $3,310,000
Other 5 $2,285,000 $457,000 $1,055,000 $215,000 $747,000
Debt-To-Income Ratio 3 $10,825,000 $3,608,000 $10,125,000 $85,000 $99,000
Collateral 1 $305,000 $305,000 $305,000 $110,000 $110,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Unverifiable Information 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 2024 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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