Clear Creek County
Colorado · FIPS 08019
According to CFPB HMDA 2024 application volume among U.S. counties, Clear Creek County ranks #1,942 of 3,210, and #34 of 64 in Colorado.
Mortgage lending activity in Clear Creek 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. Clear Creek County, Colorado saw 547 HMDA-reported mortgage applications in 2024. Lenders originated 266 of those loans and denied 106, producing a denial rate of 19.4% and an approval (origination) rate of 48.6%. The average loan amount was $369,260 at an average note rate of 7.40%, with applicants self-reporting average annual income of $37K. 101 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 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 Clear Creek County
In Clear Creek County, lead originator United Wholesale Mortgage funded 13.9% of 266 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.4% 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 Clear Creek County's 547 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clear Creek County's $369,260 average loan (deduped against volume peers).
Lenders active in Clear Creek County
United Wholesale Mortgage funded 37 of the 266 loans originated in Clear Creek County, 13.9% of the county. 101 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 37 | 13.9% |
| 2 | Rocket Mortgage | 18 | 6.8% |
| 3 | FirstBank | 10 | 3.8% |
| 4 | Fairway Independent Mort CORP | 9 | 3.4% |
| 5 | Spring Eq, LLC | 8 | 3.0% |
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; does not constitute financial advice for Clear Creek County borrowers.
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 Clear Creek County 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. 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.