First Western Trust Bank in Colorado vs the state
0.3%Denial rate-15.29 pts vs state
0.4%Decision denial rate-19.25 pts vs state
78.7%Origination rate+18.66 pts vs state
6.25%Median rate-0.38 pts vs state
-0.06Rate spread (pts)-0.21 pts vs state
$173kMedian applicant income
694Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 581 | 439 | 0.7% | 6.50% | #88 |
| 2024 | 799 | 618 | 0.3% | 6.63% | #68 |
| 2025 | 882 | 694 | 0.3% | 6.25% | #67 |
What First Western Trust Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First Western Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 383 | 298 | 1 | 0.3% |
| Weld County | 129 | 103 | 0 | 0.0% |
| Douglas County | 60 | 48 | 0 | 0.0% |
| Denver County | 60 | 47 | 0 | 0.0% |
| Arapahoe County | 51 | 40 | 0 | 0.0% |
| Jefferson County | 39 | 33 | 0 | 0.0% |
| Adams County | 31 | 25 | 0 | 0.0% |
| Boulder County | 29 | 23 | 1 | 3.4% |
| Eagle County | 27 | 22 | 1 | 3.7% |
| Pitkin County | 19 | 14 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 882 applications in 2025, of which 694 were originated and 3 denied.
0.3% of all applications, or 0.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First Western Trust Bank originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are First Western Trust Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology