First Western Trust Bank mortgage approval rate & lending review
First Western Trust Bank decided 2,246 mortgage applications and funded 2,109 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Western Trust Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Western Trust Bank at a glance
Approval is 13.8 points above the 85.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 1,665 / 1,673 | 94% | $445K | 1,573 |
| Cash-out refinance | 98% | 88 / 90 | 94% | $425K | 83 |
| Refinance | 100% | 200 / 201 | 96% | $475K | 191 |
| Investment property purchase | 98% | 205 / 209 | 95% | $355K | 195 |
| Investment cash-out refinance | 95% | 39 / 41 | 92% | $405K | 36 |
| Investment refinance | 100% | 29 / 29 | 100% | $435K | 29 |
First Western Trust Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 100% | $445K | 1,657 | 1,569 |
| Arizona | 99% | $485K | 127 | 120 |
| Wyoming | 96% | $315K | 112 | 101 |
| California | 100% | $515K | 47 | 43 |
| Florida | 100% | $405K | 38 | 32 |
| Texas | 97% | $305K | 37 | 33 |
| North Carolina | 100% | $465K | 20 | 19 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Western Trust Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Larimer County, CO | Mortgage lenders | 100% | 527 | 498 |
| Weld County, CO | Mortgage lenders | 100% | 168 | 159 |
| Douglas County, CO | Mortgage lenders | 100% | 139 | 136 |
| Denver County, CO | Mortgage lenders | 99% | 112 | 105 |
| Arapahoe County, CO | Mortgage lenders | 100% | 107 | 101 |
| Larimer County, CO | Refinance | 99% | 76 | 73 |
| Larimer County, CO | Investment property purchase | 99% | 68 | 63 |
| Larimer County, CO | Cash-out refinance | 98% | 40 | 38 |
| Weld County, CO | Refinance | 100% | 30 | 29 |
The county markets where First Western Trust Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Western Trust Bank
What is First Western Trust Bank's mortgage approval rate?
First Western Trust Bank approved 99.2% of the 2,246 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.8 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Western Trust Bank offers?
Borrowers accepted 95% of the loans First Western Trust Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Western Trust Bank make?
The typical home purchase mortgage loan First Western Trust Bank made was $445K; across all loan types its typical loan ran from $355K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Western Trust Bank lend?
First Western Trust Bank decided applications in 43 of the states Fat Boy Data covers, most of them in Colorado, Arizona and Wyoming.
Can I apply to First Western Trust Bank directly?
Yes. First Western Trust Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Western Trust Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Western Trust Bank treats applications, then get a rate quote from the lender.