Eagle County
Colorado · FIPS 08037
According to CFPB HMDA 2024 application volume among U.S. counties, Eagle County ranks #858 of 3,210, and #15 of 64 in Colorado.
Mortgage lending activity in Eagle 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. Eagle County, Colorado saw 2,267 HMDA-reported mortgage applications in 2024. Lenders originated 1,237 of those loans and denied 351, producing a denial rate of 15.5% and an approval (origination) rate of 54.6%. The average loan amount was $852,106 at an average note rate of 7.34%, with applicants self-reporting average annual income of $37K. 182 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 23.0x, meaning typical borrowers took on mortgages of about 23.0 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 Eagle County
In Eagle County, lead originator FirstBank funded 17.3% of 1,237 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Eagle County's 2,267 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Eagle County's $852,106 average loan (deduped against volume peers).
Lenders active in Eagle County
FirstBank funded 214 of the 1,237 loans originated in Eagle County, 17.3% of the county. 182 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FirstBank | 214 | 17.3% |
| 2 | Alpine Bank | 119 | 9.6% |
| 3 | United Wholesale Mortgage | 82 | 6.6% |
| 4 | Us Bank, N.A. | 58 | 4.7% |
| 5 | Bokf NA | 53 | 4.3% |
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 Eagle 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 Eagle 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.