Chaffee County
Colorado · FIPS 08015
According to CFPB HMDA 2024 application volume among U.S. counties, Chaffee County ranks #1,460 of 3,223, and #26 of 64 in Colorado.
Mortgage lending activity in Chaffee 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. Chaffee County, Colorado lenders denied 142 of the applications reported here, financing the rest at an average note rate of 6.96%, with applicants self-reporting average annual income of $37K. 143 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 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 Chaffee County
In Chaffee County, lead originator High Country Bank funded 18.7% of 562 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 34.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Chaffee County's 970 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chaffee County's $405,515 average loan (deduped against volume peers).
Lenders active in Chaffee County
High Country Bank funded 105 of the 562 loans originated in Chaffee County, 18.7% of the county. 143 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | High Country Bank | 105 | 18.7% |
| 2 | Rocket Mortgage | 49 | 8.7% |
| 3 | United Wholesale Mortgage | 39 | 6.9% |
| 4 | Glacier Bank | 33 | 5.9% |
| 5 | Union Home Mortgage Corp. | 27 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Chaffee 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 Chaffee 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.