First Western Trust Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
99th0.7% deniedPricingmedian rate spread over APOR, weight 30%
83rd-0.06 ptsProcesswithdrawn + incomplete share, weight 15%
47th17.6%Closing coststotal loan costs ÷ loan amount, weight 10%
93rd0.87% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 856 | 647 | 1.2% | 1.5% | 6.50% | $387M |
| 2024 | 1,170 | 890 | 0.8% | 1.0% | 6.63% | $504M |
| 2025 | 1,255 | 974 | 0.6% | 0.7% | 6.25% | $637M |
What First Western Trust Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 27 manufactured homes, 133 investment properties.
Why First Western Trust Bank denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Western Trust Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 273 | 210 | 0.0% |
| $100k – $150k | 253 | 196 | 1.0% |
| $150k – $250k | 327 | 264 | 0.4% |
| Over $250k | 369 | 275 | 1.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 46 | 36 | 0.0% |
| 25–34 | 336 | 269 | 0.7% |
| 35–44 | 345 | 265 | 0.4% |
| 45–54 | 253 | 185 | 1.5% |
| 55–64 | 157 | 121 | 0.8% |
| 65–74 | 90 | 75 | 0.0% |
| Over 74 | 22 | 17 | 0.0% |
Where First Western Trust Bank lends
43 states and 187 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Colorado | 882 | 694 | 0.3% | 6.25% | #67 |
| Wyoming | 140 | 105 | 0.7% | 6.25% | #43 |
| Texas | 32 | 24 | 3.1% | 6.19% | #787 |
| Arizona | 21 | 18 | 0.0% | 6.38% | #415 |
| California | 21 | 17 | 0.0% | 6.38% | #631 |
| Florida | 20 | 8 | 0.0% | 6.50% | #759 |
| Montana | 12 | 10 | 0.0% | 6.00% | #166 |
| Idaho | 9 | 7 | 0.0% | 6.13% | #275 |
| Ohio | 9 | 7 | 0.0% | 6.50% | #629 |
| South Carolina | 9 | 6 | 0.0% | 6.50% | #557 |
| Arkansas | 7 | 4 | 0.0% | 6.81% | #374 |
| North Carolina | 7 | 6 | 0.0% | 6.88% | #693 |
| Oklahoma | 7 | 6 | 0.0% | 6.69% | #443 |
| New Mexico | 6 | 4 | 0.0% | 5.56% | #303 |
| Oregon | 6 | 5 | 0.0% | 6.13% | #417 |
| Virginia | 6 | 6 | 0.0% | 6.31% | #630 |
| Illinois | 5 | 3 | 0.0% | 6.50% | #774 |
| Tennessee | 5 | 4 | 0.0% | 6.81% | #725 |
Frequently asked questions
First Western Trust Bank denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 99th percentile of mid-size mortgage lenders.
The most common reason First Western Trust Bank gave in 2025 was "credit history", cited on 42.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Western Trust Bank originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 75% of its applications were for home purchases, 24% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 83% conventional, 9% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.