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(HMDA) records First Western Trust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver-Aurora-Lakewood, CO | 329 | $ 201,665,000 | $ 612,963 | $ 274,000 |
| Fort Collins, CO | 323 | $ 160,265,000 | $ 496,176 | $ 194,000 |
| Outside any metro area | 147 | $ 111,855,000 | $ 760,918 | $ 368,353 |
| Greeley, CO | 100 | $ 42,220,000 | $ 422,200 | $ 183,000 |
| Cheyenne, WY | 65 | $ 23,105,000 | $ 355,461 | $ 118,000 |
| Phoenix-Mesa-Scottsdale, AZ | 55 | $ 44,795,000 | $ 814,454 | $ 265,000 |
| Boulder, CO | 17 | $ 10,715,000 | $ 630,294 | $ 331,000 |
| Colorado Springs, CO | 16 | $ 8,950,000 | $ 559,375 | $ 185,000 |
| Dallas-Plano-Irving, TX | 8 | $ 4,240,000 | $ 530,000 | $ 180,000 |
| Grand Junction, CO | 6 | $ 1,750,000 | $ 291,666 | $ 113,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,360,000 | $ 393,333 | $ 223,000 |
| Hot Springs, AR | 5 | $ 525,000 | $ 105,000 | $ 97,000 |
| Kennewick-Richland, WA | 5 | $ 1,925,000 | $ 385,000 | $ 125,000 |
| Prescott Valley-Prescott, AZ | 4 | $ 3,530,000 | $ 882,500 | $ 259,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 2,660,000 | $ 665,000 | $ 192,000 |
| St. Louis, MO-IL | 4 | $ 1,530,000 | $ 382,500 | $ 60,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,795,000 | $ 598,333 | $ 124,000 |
| Bozeman, MT | 3 | $ 2,705,000 | $ 901,666 | $ 780,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,475,000 | $ 491,666 | $ 192,000 |
| Corvallis, OR | 3 | $ 1,045,000 | $ 348,333 | $ 533,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 965,000 | $ 321,666 | $ 176,000 |
| Marietta, GA | 3 | $ 1,275,000 | $ 425,000 | $ 148,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,735,000 | $ 578,333 | $ 210,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,415,000 | $ 471,666 | $ 371,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 2,475,000 | $ 825,000 | $ 392,333 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,345,000 | $ 448,333 | $ 255,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,365,000 | $ 455,000 | $ 189,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,675,000 | $ 558,333 | $ 238,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 2,055,000 | $ 685,000 | $ 175,000 |
| Toledo, OH | 3 | $ 295,000 | $ 98,333 | $ 199,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 855,000 | $ 285,000 | $ 303,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 890,000 | $ 445,000 | $ 147,000 |
| Billings, MT | 2 | $ 820,000 | $ 410,000 | $ 94,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,300,000 | $ 650,000 | $ 123,000 |
| Chicago-Naperville, IL | 2 | $ 410,000 | $ 205,000 | $ 88,000 |
| Cleveland, OH | 2 | $ 230,000 | $ 115,000 | $ 340,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,460,000 | $ 730,000 | $ 393,000 |
| Helena, MT | 2 | $ 1,630,000 | $ 815,000 | $ 186,000 |
| Jacksonville, FL | 2 | $ 1,170,000 | $ 585,000 | $ 212,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,230,000 | $ 615,000 | $ 344,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,800,000 | $ 900,000 | $ 334,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 3,470,000 | $ 1,735,000 | $ 538,000 |
| Oklahoma City, OK | 2 | $ 570,000 | $ 285,000 | $ 210,000 |
| Pueblo, CO | 2 | $ 580,000 | $ 290,000 | $ 73,000 |
| Salt Lake City, UT | 2 | $ 520,000 | $ 260,000 | $ 132,000 |
| Tucson, AZ | 2 | $ 720,000 | $ 360,000 | $ 203,000 |
| Tulsa, OK | 2 | $ 840,000 | $ 420,000 | $ 155,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 860,000 | $ 430,000 | $ 163,000 |
| Washington, DC-MD | 2 | $ 760,000 | $ 380,000 | $ 52,000 |
| Yuma, AZ | 2 | $ 500,000 | $ 250,000 | $ 60,000 |
| Albuquerque, NM | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Ann Arbor, MI | 1 | $ 165,000 | $ 165,000 | $ 246,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 1,205,000 | $ 1,205,000 | $ 475,000 |
| Asheville, NC | 1 | $ 505,000 | $ 505,000 | $ 278,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 795,000 | $ 795,000 | $ 405,000 |
| Boise City, ID | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Casper, WY | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Charleston-North Charleston, SC | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Cleveland, TN | 1 | $ 495,000 | $ 495,000 | $ 170,000 |
| Columbia, MO | 1 | $ 135,000 | $ 135,000 | $ 299,000 |
| Columbus, OH | 1 | $ 365,000 | $ 365,000 | $ 92,000 |
| Corpus Christi, TX | 1 | $ 705,000 | $ 705,000 | $ 422,000 |
| Durham-Chapel Hill, NC | 1 | $ 345,000 | $ 345,000 | $ 86,000 |
| Flagstaff, AZ | 1 | $ 4,655,000 | $ 4,655,000 | $ 2,306,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 505,000 | $ 505,000 | $ 72,000 |
| Fresno, CA | 1 | $ 375,000 | $ 375,000 | $ 68,000 |
| Gettysburg, PA | 1 | $ 295,000 | $ 295,000 | $ 73,000 |
| Grand Island, NE | 1 | $ 405,000 | $ 405,000 | $ 137,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 595,000 | $ 595,000 | $ 275,000 |
| Huntsville, AL | 1 | $ 375,000 | $ 375,000 | $ 158,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 335,000 | $ 335,000 | $ 225,000 |
| Killeen-Temple, TX | 1 | $ 285,000 | $ 285,000 | $ 185,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 405,000 | $ 405,000 | $ 90,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 115,000 | $ 115,000 | $ 152,000 |
| Lubbock, TX | 1 | $ 295,000 | $ 295,000 | $ 105,000 |
| Mankato-North Mankato, MN | 1 | $ 105,000 | $ 105,000 | $ 178,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 265,000 | $ 265,000 | $ 98,000 |
| Missoula, MT | 1 | $ 395,000 | $ 395,000 | $ 80,000 |
| Modesto, CA | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Nassau County-Suffolk County, NY | 1 | $ 215,000 | $ 215,000 | $ 366,000 |
| Niles-Benton Harbor, MI | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| Olympia-Tumwater, WA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 265,000 | $ 265,000 | $ 264,000 |
| Pittsburgh, PA | 1 | $ 225,000 | $ 225,000 | $ 56,000 |
| Rome, GA | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 995,000 | $ 995,000 | $ 500,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 905,000 | $ 905,000 | $ 110,000 |
| Santa Fe, NM | 1 | $ 1,755,000 | $ 1,755,000 | $ 550,000 |
| Sheboygan, WI | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Sioux City, IA-NE-SD | 1 | $ 325,000 | $ 325,000 | $ 74,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| St. George, UT | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Terre Haute, IN | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Texarkana, TX-AR | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Traverse City, MI | 1 | $ 285,000 | $ 285,000 | $ 1,410,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 745,000 | $ 745,000 | $ 230,000 |
| Wichita, KS | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Wilmington, NC | 1 | $ 255,000 | $ 255,000 | $ 113,000 |
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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