# First Western Trust Bank

> **Canonical URL:** https://saferate.com/lenders/first-western-trust-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Western Trust Bank is a bank, headquartered in Denver, CO, serving borrowers across 37 states, with 849 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900KI7219LQKCI772
- **Headquarters:** Denver, CO
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.053%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,821
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 849
- **Dollar Volume:** $428 million
- **Applications Received:** 1,121
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $503,975
- **Average Borrower Income:** $288,105
- **Average Property Value:** $722,397

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 650 | +0.081% | $1,764 | Strong 😀 |
| FHA | 67/100 | 69 | +0.347% | $2,714 | Strong 😀 |
| VA | 73/100 | 76 | -0.489% | $2,355 | Strong 😀 |
| Jumbo | 77/100 | 54 | +0.130% | $999 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 535 loans, Score: 70/100 (Strong)
- Refinance: 115 loans, Score: 70/100 (Strong)

**FHA:**
- Purchase: 61 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 74 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 38 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 708 | $349M | +0.074% | Strong 😀 |
| Refinance | 71/100 | 141 | $79M | -0.023% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 599 | 0.72% | 84/100 |
| WY | 64 | 1.02% | 71/100 |
| AZ | 47 | 0.05% | 54/100 |
| CA | 15 | 0.01% | 39/100 |
| FL | 11 | 0.00% | 34/100 |
| TX | 11 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Collins | CO | 244 | 96/100 |
| Denver | CO | 197 | 75/100 |
| Non |  | 108 | 53/100 |
| Greeley, CO | CO | 82 | 78/100 |
| Phoenix | AZ | 39 | 53/100 |
| Cheyenne, WY | WY | 31 | 63/100 |
| Boulder, CO | CO | 15 | 47/100 |

## Where This Lender Ranks

First Western Trust Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Colorado for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Fort Collins for Conventional Loans
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Fort Collins for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Fort Collins for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Greeley, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Cheyenne, WY for Conventional Loans
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Cheyenne, WY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Colorado for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Fort Collins for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Fort Collins for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Denver for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Wyoming for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Wyoming for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Cheyenne, WY for FHA Loans
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Cheyenne, WY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Cheyenne, WY for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cheyenne-wy/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Colorado for Conventional Loans
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Fort Collins Banks
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks)
- 🥉 **#3** in Fort Collins for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Greeley, CO Banks
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First Western Trust Bank offer?

First Western Trust Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Western Trust Bank offer mortgages?

First Western Trust Bank offers mortgages in 37 states: AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY.

### How competitive are First Western Trust Bank's mortgage rates?

First Western Trust Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.053% above market average.

### What type of lender is First Western Trust Bank?

First Western Trust Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Denver, CO.

### What is First Western Trust Bank's loan approval success rate?

First Western Trust Bank has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-western-trust-bank

### How to Cite

> "First Western Trust Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-western-trust-bank

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