Archuleta County
Colorado · FIPS 08007
According to CFPB HMDA 2024 application volume among U.S. counties, Archuleta County ranks #1,644 of 3,223, and #28 of 64 in Colorado.
Mortgage lending activity in Archuleta County, Colorado based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Archuleta County, Colorado lenders denied 103 of the applications reported here, financing the rest at an average note rate of 7.16%, with applicants self-reporting average annual income of $38K. 108 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.6x, meaning typical borrowers took on mortgages of about 10.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Archuleta County
In Archuleta County, lead originator United Wholesale Mortgage funded 14.8% of 398 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 40.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Archuleta County's 771 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Archuleta County's $400,927 average loan (deduped against volume peers).
Lenders active in Archuleta County
United Wholesale Mortgage funded 59 of the 398 loans originated in Archuleta County, 14.8% of the county. 108 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 59 | 14.8% |
| 2 | The Central Trust Bank | 54 | 13.6% |
| 3 | Bank of Colorado | 47 | 11.8% |
| 4 | Rocket Mortgage | 25 | 6.3% |
| 5 | Pennymac Loan Services LLC | 12 | 3.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Archuleta County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Archuleta County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.