Applications / Mortgage Analytics / Lenders / Colorado / First Western Trust Bank
Denver, CO · State non-member bank · FDIC · $3.2 billion assets · 974 loans in 2025
First Western Trust Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
974
loans originated, 2025
1,255
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Western Trust Bank is a Colorado lender of large loans that ranked 2 of 408 lenders in Fort Collins-Loveland in 2025, with a typical loan more than double that of similar banks.
Its typical loan was $445,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than nearly all of them. Jumbo loans (larger than the conforming limit) were 12.9% of its loans, against 2.2%. Its 974 loans came to $636.9 million, against $243.0 million for the typical peer.
It ranked 2 of 408 lenders in Fort Collins-Loveland, behind United Wholesale Mortgage, and its share rose to 3.9% from 3.6%; it has lent there since 2006. Its share also rose in Greeley. In Denver-Aurora-Centennial it ranked 71 of 754 with 0.4%.
Loans guaranteed by the Department of Veterans Affairs (VA) were 7.7% of its loans, against 0.5% at peers, and loans insured by the Federal Housing Administration (FHA) 8.5%, against 0.4%. Low- and moderate-income (LMI) borrowers took 20.0%, against 26.7%, lower than about four in five peers; its larger loans suggest one possible reason, borrowers with higher incomes.
Originations rose 9% to 974, close to the typical peer's 10%, but remain well below the 3,803 of 2020. Its typical rate, 6.25%, was lower than peers' 6.75%, and higher-priced loans (a rate well above the average for similar loans) were 0.1%, against 1.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Western Trust Bank took 1,255 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.5% · Refinance 23.1% · Home improvement 0.2% · Other 0.2%
Conventional 83.6% · FHA 8.5% · VA 7.7% · USDA (RHS or FSA) 0.2% · of 974 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 694 | 71.3% |
| Wyoming | 105 | 10.8% |
| Texas | 24 | 2.5% |
| Arizona | 18 | 1.8% |
| California | 17 | 1.7% |
| Montana | 10 | 1.0% |
| Florida | 8 | 0.8% |
| Idaho | 7 | 0.7% |
| Ohio | 7 | 0.7% |
| North Carolina | 6 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Collins-Loveland | 298 |
| Denver-Aurora-Centennial | 198 |
| Greeley | 103 |
| Cheyenne | 64 |
| Boulder | 23 |
| Phoenix-Mesa-Chandler | 11 |
| Houston-Pasadena-The Woodlands | 8 |
| Colorado Springs | 5 |
| Casper | 4 |
| Dallas-Plano-Irving | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KI7219LQKCI772 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3158546 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357607 | 2005–2017 |
Established 17 March 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: First Western Trust Bank's data.
First Western Trust Bank's data
$215
First Western Trust Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy First Western Trust Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]