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2024 data HMDA 2024 disclosure official source

Boulder County

10,666 mortgage applications, 13.4% denial rate. Verify FIPS 08013 with U.S. Census Bureau →

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Colorado · FIPS 08013

Local mortgage market. Boulder County, Colorado saw 10,666 HMDA-reported mortgage applications in 2024. Lenders originated 6,078 of those loans and denied 1,429, producing a denial rate of 13.4% and an approval (origination) rate of 57.0%. The average loan amount was $520,203 at an average note rate of 7.25%, with applicants self-reporting average annual income of $37K. 344 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 14.1x, meaning typical borrowers took on mortgages of about 14.1 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.

FIPS 08013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

10,666
Applications
6,078
Originated
13.4%
Denial Rate
57.0%
Approval Rate
$520,203
Avg Loan Amount
7.25%
Avg Interest Rate
$37K
Avg Applicant Income
14.1x
Loan-to-Income Ratio

Nearby Lenders in Boulder County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Elevation Credit Union 1,116 18.4%
2 United Wholesale Mortgage 555 9.1%
3 Rocket Mortgage 251 4.1%
4 FirstBank 194 3.2%
5 Lennar Mortgage, LLC 159 2.6%
Compare Elevation Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Boulder County?
In the 2024 HMDA reporting year, 10,666 mortgage applications were filed in Boulder County, Colorado. Of these, 6,078 were originated (approved and funded), while 1,429 were denied, resulting in a denial rate of 13.4%.
What is the mortgage denial rate in Boulder County?
The mortgage denial rate in Boulder County is 13.4%. The approval (origination) rate is 57.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Boulder County?
The average mortgage loan amount in Boulder County is $520,203. The average interest rate is 7.245%. The average applicant income is $37K.
What is the loan-to-income ratio in Boulder County?
The average loan-to-income ratio in Boulder County is 14.1x, meaning borrowers took on loans averaging 14.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Boulder County?
The top mortgage lenders in Boulder County by origination volume are Elevation Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 344 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.