First Western Trust Bank Mortgage Rates, Fees & Info
Denver, COLEI: 254900KI7219LQKCI772
Tax ID: 27-0083757
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Bank Data
Overview
First Western Trust Bank is a small bank specializing in Home Purchase, Refi, and Cash Out Refi loans. First Western Trust Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Denver, Fort Collins, Greeley, Boulder, and Colorado Springs among others. First Western Trust Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Western Trust Bank is typically an average fee lendor.Originations
3,315Origination Dollar Volume (All Markets)
$1,422,455,000Employee count
352Awards
First Western Trust Bank - 2021
First Western Trust Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
First Western Trust Bank's average 30 year fixed rate mortgage of loans were
2.96%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.19%.
Relative Fees
First Western Trust Bank's average total fees for a 30 year fixed rate
mortgage are $3,842.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1,433 | $667,945,000 | $466,117 | $3,496 | 2.89% |
| FORT COLLINS, CO (FHA|USDA|VA) | 720 | $259,030,000 | $359,764 | $3,496 | 2.90% |
| GREELEY, CO (FHA|USDA|VA) | 203 | $72,995,000 | $359,581 | $3,975 | 2.96% |
| BOULDER, CO (FHA|USDA|VA) | 98 | $49,900,000 | $509,184 | $3,329 | 2.85% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 80 | $29,610,000 | $370,125 | $4,166 | 2.92% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 36 | $28,720,000 | $797,778 | $5,370 | 3.05% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 73 | $28,705,000 | $393,219 | $4,133 | 2.92% |
| Outside of Metro Areas | 62 | $25,800,000 | $416,129 | $3,949 | 2.89% |
| Glenwood Springs, CO (FHA|USDA|VA) | 18 | $22,230,000 | $1,235,000 | $4,402 | 3.12% |
| Breckenridge, CO (FHA|USDA|VA) | 29 | $15,805,000 | $545,000 | $3,919 | 2.92% |
| Edwards, CO (FHA|USDA|VA) | 23 | $14,535,000 | $631,957 | $3,840 | 2.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 25 | $14,315,000 | $572,600 | $4,371 | 2.80% |
| Jackson, WY-ID (FHA|USDA|VA) | 19 | $14,095,000 | $741,842 | $3,695 | 2.90% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 6 | $12,640,000 | $2,106,667 | $3,026 | 3.33% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $10,410,000 | $743,571 | $4,853 | 2.92% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $7,370,000 | $737,000 | $3,480 | 2.80% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $7,345,000 | $489,667 | $5,288 | 2.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $3,590,000 | $598,333 | $5,691 | 2.96% |
| ROCHESTER, MN (FHA|USDA|VA) | 19 | $3,575,000 | $188,158 | $4,126 | 3.21% |
| CHEYENNE, WY (FHA|USDA|VA) | 11 | $3,315,000 | $301,364 | $5,270 | 2.82% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $3,285,000 | $298,636 | $3,963 | 2.89% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $3,235,000 | $294,091 | $3,402 | 2.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $3,155,000 | $450,714 | $5,187 | 3.02% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $3,155,000 | $350,556 | $7,353 | 3.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $3,110,000 | $388,750 | $4,364 | 2.83% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $4,505 | 3.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $2,880,000 | $288,000 | $3,428 | 3.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $2,840,000 | $710,000 | $7,004 | 2.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,785,000 | $557,000 | $5,246 | 2.85% |
| PUEBLO, CO (FHA|USDA|VA) | 13 | $2,735,000 | $210,385 | $3,508 | 2.98% |
| Montrose, CO (FHA|USDA|VA) | 6 | $2,710,000 | $451,667 | $5,851 | 3.14% |
| TUCSON, AZ (FHA|USDA|VA) | 8 | $2,590,000 | $323,750 | $3,268 | 3.58% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $2,490,000 | $622,500 | $4,218 | 2.94% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,360,000 | $295,000 | $4,972 | 2.61% |
| PROVO-OREM, UT (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $2,817 | 2.86% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $3,685 | 2.80% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $2,230,000 | $557,500 | $4,189 | 2.81% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $2,155,000 | $431,000 | $6,296 | 3.28% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $2,130,000 | $532,500 | $5,285 | 2.84% |
| Bozeman, MT (FHA|USDA|VA) | 7 | $2,115,000 | $302,143 | $3,729 | 2.82% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $3,066 | 2.62% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $5,364 | 2.88% |
| Steamboat Springs, CO (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $3,956 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $1,640,000 | $164,000 | $4,562 | 3.24% |
| Durango, CO (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $3,371 | 2.81% |
| BILLINGS, MT (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $9,910 | 2.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $3,604 | 3.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $4,759 | 3.05% |
| Hilo, HI (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $4,674 | 2.58% |
| Kapaa, HI (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $4,506 | 2.91% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $1,430,000 | $357,500 | $4,522 | 2.78% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $1,390,000 | $695,000 | $6,914 | 2.94% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $3,269 | 3.22% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $4,920 | 2.98% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $4,350 | 3.06% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $3,722 | 2.69% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $4,898 | 3.13% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,281 | 3.06% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $5,948 | 3.04% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,040,000 | $520,000 | $2,885 | 2.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 9 | $975,000 | $108,333 | $3,217 | 3.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $9,586 | 3.00% |
| Heber, UT (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,790 | 3.12% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $2,257 | 2.58% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $3,038 | 2.56% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $3,465 | 3.22% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,674 | 2.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,210 | 3.16% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $11,445 | 3.06% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $4,670 | 3.22% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,243 | 2.75% |
| Laramie, WY (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,275 | 2.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,796 | 2.92% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $3,636 | 3.47% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,672 | 2.81% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,549 | 2.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,154 | 3.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,135 | 3.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $2,697 | 2.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,061 | 2.54% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,157 | 3.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,916 | 3.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $3,043 | 2.81% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $4,877 | 3.43% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,594 | 2.94% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $4,278 | 3.81% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,562 | 2.96% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,727 | 3.33% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,576 | 3.13% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,707 | 2.88% |
| Outside of Metro Areas | 1 | $545,000 | $545,000 | $4,539 | 2.99% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,319 | 3.25% |
| RENO, NV (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,213 | 2.88% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,581 | 3.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,623 | 3.38% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,588 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,468 | 3.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,362 | 3.50% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,660 | 2.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,530 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,125 | 3.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,690 | 3.38% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $11,920 | 2.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $10,309 | 2.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,142 | 3.25% |
| Scottsbluff, NE (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,146 | 2.69% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,344 | 2.63% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,385 | 2.63% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,248 | 2.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,904 | 3.38% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,937 | 2.50% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,748 | 3.06% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,761 | 3.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,732 | 2.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,699 | 2.69% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,327 | 3.00% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,388 | 3.44% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,966 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,931 | 3.63% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,911 | 2.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,099 | 2.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,439 | 2.63% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,112 | 2.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,370 | 2.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,142 | 2.88% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,185 | 2.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,027 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,852 | 2.88% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,301 | 3.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,791 | 3.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,843 | 3.00% |
| El Campo, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,927 | 3.13% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,799 | 2.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,680 | 3.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,999 | 2.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,510 | 2.99% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,320 | 2.50% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,124 | 2.99% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,337 | 2.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,402 | 3.13% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,047 | 3.63% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,575 | 3.31% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,285 | 2.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,808 | 3.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,329 | 3.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,289 | 3.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,931 | 2.63% |
| Riverton, WY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,031 | 3.25% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,507 | 2.75% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,468 | 2.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,590 | 3.13% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,156 | 2.38% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,444 | 2.63% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,430 | 2.88% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,691 | 2.63% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,518 | 2.88% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,743 | 2.88% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,507 | 2.50% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,714 | 3.13% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,255 | 2.38% |
| TULSA, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,926 | 2.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,350 | 2.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,868 | 3.13% |
| Hays, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,115 | 2.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,566 | 3.49% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,187 | 2.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,011 | 3.00% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,318 | 2.00% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,151 | 2.75% |
| Searcy, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,767 | 3.63% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,062 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,935 | 3.88% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,930 | 2.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,242 | 3.38% |
First Western Trust Bank's top markets include Denver, Fort Collins, Greeley, Boulder, and Colorado Springs among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,095 | $1,330,165,000 | $429,779 | $3,467 | 2.94% |
| VA | 160 | $70,600,000 | $441,250 | $6,661 | 2.52% |
| FHA | 57 | $20,865,000 | $366,053 | $8,889 | 2.69% |
| USDA | 3 | $825,000 | $275,000 | $5,979 | 2.71% |
For the 2021 period, First Western Trust Bank's most frequently originated loan type of loans were Conventional, with 3,095 originations. Their 2nd most popular type is VA, with 160 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,303 | $642,595,000 | $493,166 | $4,552 | 3.01% |
| Refi | 1,236 | $467,720,000 | $378,414 | $2,958 | 2.75% |
| Cash Out Refi | 739 | $295,375,000 | $399,696 | $3,570 | 3.01% |
| Home Improvement | 37 | $16,765,000 | $453,108 | $2,756 | 2.83% |
For the 2021, First Western Trust Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,303 originations. The 2nd most popular reason of loans were Refi, with 1,236 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,915 | $1,266,615,000 | $434,516 | $3,842 | 2.96% |
| 15 Year | 253 | $76,005,000 | $300,415 | $2,802 | 2.40% |
| 20 Year | 95 | $28,405,000 | $299,000 | $2,687 | 2.66% |
| 10 Year | 22 | $4,820,000 | $219,091 | $2,385 | 2.34% |
| Other | 16 | $9,630,000 | $601,875 | $2,867 | 3.19% |
| 5 Year | 10 | $32,200,000 | $3,220,000 | $0 | 4.04% |
| 3 Year | 4 | $4,780,000 | $1,195,000 | $0 | 3.72% |
For the 2021, First Western Trust Bank's most frequently cited loan length of loans were 30 Year, with 2,915 originations. The 2nd most popular length of loans were 15 Year, with 253 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2,682 | $1,146,860,000 | $427,614 |
| $1k-2k | 285 | $91,315,000 | $320,404 |
| $2k-3k | 169 | $63,695,000 | $376,893 |
| $3k-4k | 107 | $45,265,000 | $423,037 |
| $5k+ | 53 | $32,605,000 | $615,189 |
$3,842 of loans were First Western Trust Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,682 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,689 | $747,135,000 | $442,353 |
| 3-4% | 1,033 | $471,065,000 | $456,016 |
| <2.5% | 577 | $194,615,000 | $337,288 |
| 4-5% | 16 | $9,640,000 | $602,500 |
During 2021, First Western Trust Bank's average interest rate of loans were 2.96%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,689 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,445 | $435,375,000 | $301,298 | $3,388 | 2.90% |
| $400k-600k | 1,052 | $511,450,000 | $486,169 | $3,935 | 2.89% |
| $100k-200k | 393 | $62,065,000 | $157,926 | $2,867 | 2.89% |
| $600k-1MM | 266 | $197,950,000 | $744,173 | $5,148 | 3.04% |
| $1MM+ | 116 | $212,120,000 | $1,828,621 | $5,957 | 3.07% |
| $100,000 or less | 43 | $3,495,000 | $81,279 | $2,836 | 2.90% |
2021 saw First Western Trust Bank place emphasis on $200k-400k loans with 1,445 originations, totaling $435,375,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 866 | $323,230,000 | $373,245 | $3,634 | 2.90% |
| $150k-250k | 819 | $361,605,000 | $441,520 | $3,639 | 2.95% |
| $250k+ | 505 | $356,935,000 | $706,802 | $4,298 | 3.00% |
| $75k-100k | 502 | $169,200,000 | $337,052 | $3,654 | 2.88% |
| $50k-75k | 412 | $119,390,000 | $289,782 | $3,728 | 2.84% |
| $50k or less | 193 | $50,085,000 | $259,508 | $3,028 | 2.70% |
First Western Trust Bank lent most frequently to those with incomes in the $100k-150k range, with 866 originations. The second most popular income band? $150k-250k, with 819 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 826 | $353,980,000 | $428,547 | $3,354 | 2.86% |
| 30-36% | 641 | $277,825,000 | $433,424 | $3,784 | 2.95% |
| <20% | 341 | $144,995,000 | $425,205 | $3,220 | 2.81% |
| 41% | 137 | $57,215,000 | $417,628 | $3,849 | 2.99% |
| 42% | 115 | $48,655,000 | $423,087 | $3,986 | 3.01% |
| 36% | 115 | $45,645,000 | $396,913 | $3,814 | 2.93% |
| 40% | 112 | $49,590,000 | $442,768 | $3,754 | 2.98% |
| 39% | 110 | $43,880,000 | $398,909 | $3,769 | 2.92% |
| 38% | 108 | $44,040,000 | $407,778 | $3,725 | 2.97% |
| 44% | 108 | $39,840,000 | $368,889 | $3,470 | 3.00% |
| 37% | 106 | $56,060,000 | $528,868 | $3,804 | 2.96% |
| 43% | 97 | $36,335,000 | $374,588 | $3,858 | 3.03% |
| 45% | 90 | $31,820,000 | $353,556 | $4,014 | 2.93% |
| 47% | 76 | $25,630,000 | $337,237 | $3,535 | 2.96% |
| 49% | 74 | $26,590,000 | $359,324 | $4,360 | 2.87% |
| 46% | 69 | $26,365,000 | $382,101 | $4,338 | 2.94% |
| 48% | 65 | $23,315,000 | $358,692 | $4,580 | 2.96% |
| 50-60% | 43 | $26,065,000 | $606,163 | $9,108 | 2.85% |
| >60% | 5 | $1,275,000 | $255,000 | $5,661 | 2.70% |
First Western Trust Bank lent most frequently to those with DTI ratios of 20-30%, with 826 originations. The next most common DTI ratio? 30-36%, with 641 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,847 | $1,190,635,000 | $418,207 | $3,711 | 2.90% |
| Asian | 200 | $87,040,000 | $435,200 | $3,616 | 2.92% |
| Not provided | 159 | $68,745,000 | $432,358 | $3,823 | 2.98% |
| Not applicable | 17 | $41,715,000 | $2,453,824 | $0 | 3.93% |
| Black | 57 | $20,655,000 | $362,368 | $3,872 | 2.89% |
| American Indian | 18 | $5,800,000 | $322,222 | $4,468 | 3.17% |
| Asian Indian | 6 | $2,800,000 | $466,667 | $2,785 | 2.73% |
| Native Hawaiian | 3 | $1,405,000 | $468,333 | $3,535 | 2.75% |
| Other Asian | 2 | $1,060,000 | $530,000 | $2,478 | 3.06% |
| Korean | 2 | $1,020,000 | $510,000 | $3,913 | 2.87% |
| Chinese | 2 | $740,000 | $370,000 | $3,052 | 2.88% |
| Japanese | 1 | $485,000 | $485,000 | $3,025 | 3.00% |
| Other Pacific Islander | 1 | $355,000 | $355,000 | $9,831 | 2.99% |
Approval Rates
Total approvals of all applications98.67%
First Western Trust Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination78.68%
First Western Trust Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,315 | $1,422,455,000 | $429,097 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,315 | $1,422,455,000 | $429,097 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 265 | $87,375,000 | $329,717 | $3,038 | 2.72% |
| 40-60% | 758 | $285,060,000 | $376,069 | $3,102 | 2.81% |
| 60-80% | 1,435 | $657,705,000 | $458,331 | $3,570 | 3.01% |
| 80-100% | 797 | $368,665,000 | $462,566 | $4,277 | 2.92% |
| Over 100% | 34 | $17,040,000 | $501,176 | $16,373 | 2.69% |
| Under 20% | 26 | $6,610,000 | $254,231 | $3,183 | 2.52% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST UNITED BANK AND TRUST COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Western Trust Bank | 10457 Park Meadows Drive Suite 300 Lone Tree, CO 80124 | Full Service B&M | $21,654 |
| First Western Trust Bank | 6501 E Belleview Ave, Ste 200 Englewood, CO 80111 | Full Service B&M | $145,416 |
| First Western Trust Bank | 690 S. Us Hwy 89, Suite 260 Jackson, WY 83001 | Full Service Retail | $43,233 |
| First Western Trust Bank | 7025 N Scottsdale Rd Scottsdale, AZ 85253 | Full Service B&M | $177,174 |
| First Western Trust Bank | 1155 Canyon Blvd, Ste 300 Boulder, CO 80302 | Full Service B&M | $162,686 |
| First Western Trust Bank | 137 Benchmark Drive, Suite C Avon, CO 81620 | Full Service B&M | $16,066 |
| First Western Trust Bank | 1900 16th Street, Suite 1200 Denver, CO 80202 | Full Service B&M | $561,890 |
| First Western Trust Bank | 1901 Avenue Of The Stars, Ste 200 Los Angeles, CA 90067 | Limited, Trust Office | $0 |
| First Western Trust Bank | 201 N Mill St, Suite 203 Aspen, CO 81611 | Full Service B&M | $42,862 |
| First Western Trust Bank | 233 Milwaukee Street Denver, CO 80206 | Full Service B&M | $143,908 |
| First Western Trust Bank | 2425 E Camelback Rd, Ste 100 Phoenix, AZ 85016 | Full Service B&M | $74,790 |
| First Western Trust Bank | 3003 E Harmony Rd, Ste 200 Fort Collins, CO 80528 | Full Service B&M | $289,465 |
| First Western Trust Bank | 390 Interlocken Crescent, Suite 680 Broomfield, CO 80021 | Full Service B&M | $13,456 |
For 2021, First Western Trust Bank had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $65,110 |
| Net interest income | $61,243 |
| Total noninterest income | $50,857 |
| Gross Fiduciary activities income | $20,176 |
| Service charges on deposit accounts | $779 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $29,902 |
| Pre-tax net operating income | $28,596 |
| Securities gains (or losses, -) | $468 |
| Income before extraordinary items | $22,274 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $22,274 |
| Minority interest net income | $0 |
| Net income | $22,274 |
| Sale, conversion, retirement of capital stock, net | $2,904 |
| Net operating income | $21,904 |
First Western Trust Bank's gross interest income from loans was $65,110,000.
First Western Trust Bank's net interest income from loans was $61,243,000.
First Western Trust Bank's fee based income from loans was $779,000.
First Western Trust Bank's net income from loans was $22,274,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $3,867 |
| Provision for credit losses | $1,230 |
| Total noninterest expense | $82,274 |
| Salaries and employee benefits | $54,905 |
| Premises and equipment expense | $5,988 |
| Additional noninterest expense | $21,381 |
| Applicable income taxes | $6,790 |
| Net charge-offs | $37 |
| Cash dividends | $0 |
First Western Trust Bank's interest expense for loans was $3,867,000.
First Western Trust Bank's payroll and benefits expense were $54,905,000.
First Western Trust Bank's property, plant and equipment expenses $5,988,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,223,827 |
| Deposits held in domestic offices | $2,223,827 |
| Deposits by Individuals, partnerships, and corporations | $2,064,351 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $154,217 |
| Deposits by Commercial banks and other depository institutions in U.S. | $5,259 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $964,368 |
| Demand deposits | $654,428 |
| Nontransaction accounts | $1,259,459 |
| Money market deposit accounts (MMDAs) | $1,056,668 |
| Other savings deposits (excluding MMDAs) | $32,299 |
| Total time deposits | $170,492 |
| Total time and savings deposits | $1,569,399 |
| Noninterest-bearing deposits | $654,428 |
| Interest-bearing deposits | $1,569,399 |
| Retail deposits | $2,126,647 |
| IRAs and Keogh plan accounts | $3,708 |
| Brokered deposits | $22,315 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,522,046 |
| Cash & Balances due from depository institutions | $385,491 |
| Interest-bearing balances | $375,554 |
| Total securities | $56,921 |
| Federal funds sold & reverse repurchase | $1,491 |
| Net loans and leases | $1,964,047 |
| Loan and leases loss allowance | $13,732 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $33,435 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $31,902 |
| All other assets | $48,759 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,522,046 |
| Total Liabilities | $2,288,629 |
| Total deposits | $2,223,827 |
| Interest-bearing deposits | $1,569,399 |
| Deposits held in domestic offices | $2,223,827 |
| % insured (estimated) | $45 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $38,629 |
| Subordinated debt | $0 |
| All other liabilities | $26,173 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,964,047 |
| Loan and leases loss allowance | $13,732 |
| Total loans and leases (domestic) | $1,977,779 |
| All real estate loans | $1,482,441 |
| Real estate loans in domestic offices | $1,482,441 |
| Construction and development loans | $173,916 |
| Residential 1-4 family construction | $26,219 |
| Other construction, all land development and other land | $147,697 |
| Loans secured by nonfarm nonresidential properties | $608,791 |
| Nonfarm nonresidential secured by owner-occupied properties | $210,400 |
| Commercial real estate & other non-farm, non-residential | $398,391 |
| Multifamily residential real estate | $82,790 |
| 1-4 family residential loans | $613,641 |
| Farmland loans | $3,303 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $388,585 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $106,699 |
| Credit card loans | $0 |
| Related Plans | $50,601 |
| Consumer Auto Loans | $157 |
| Other loans to individuals | $55,941 |
| All other loans & leases | $54 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $37 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $54 |
| Non 1-4 family restructured loans & leases | $54 |
| Total loans and leases (foreign) | $0 |
First Western Trust Bank had $1,964,047,000 of loans outstanding in 2021. $1,482,441,000 of loans were in real estate loans. $173,916,000 of loans were in development loans. $82,790,000 of loans were in multifamily mortgage loans. $613,641,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $157,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 152 | $57,900 | $380,921 |
| Nonfarm, nonresidential loans - <$100k | 13 | $299 | $23,000 |
| Nonfarm, nonresidential loans - $100-250k | 24 | $3,229 | $134,542 |
| Nonfarm, nonresidential loans - $250k-1MM | 115 | $54,372 | $472,800 |
| Commercial & Industrial, US addressed loans - <$1MM | 547 | $42,410 | $77,532 |
| Commercial & Industrial, US addressed loans - <$100k | 372 | $4,829 | $12,981 |
| Commercial & Industrial, US addressed loans - $100-250k | 79 | $6,308 | $79,848 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 96 | $31,273 | $325,760 |
| Farmland loans - <$1MM | 1 | $157 | $157,000 |
| Farmland loans - $100-250k | 1 | $157 | $157,000 |
