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2024 data HMDA 2024 disclosure official source

Eagle County

2,267 mortgage applications, 15.5% denial rate. Verify FIPS 08037 with U.S. Census Bureau →

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Colorado · FIPS 08037

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.

FIPS 08037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,267
Applications
1,237
Originated
15.5%
Denial Rate
54.6%
Approval Rate
$852,106
Avg Loan Amount
7.34%
Avg Interest Rate
$37K
Avg Applicant Income
23.0x
Loan-to-Income Ratio

Nearby Lenders in Eagle 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 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%
Compare FirstBank vs Alpine Bank →

Frequently Asked Questions

How many mortgage applications were filed in Eagle County?
In the 2024 HMDA reporting year, 2,267 mortgage applications were filed in Eagle County, Colorado. Of these, 1,237 were originated (approved and funded), while 351 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Eagle County?
The mortgage denial rate in Eagle County is 15.5%. The approval (origination) rate is 54.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Eagle County?
The average mortgage loan amount in Eagle County is $852,106. The average interest rate is 7.340%. The average applicant income is $37K.
What is the loan-to-income ratio in Eagle County?
The average loan-to-income ratio in Eagle County is 23.0x, meaning borrowers took on loans averaging 23.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Eagle County?
The top mortgage lenders in Eagle County by origination volume are FirstBank, Alpine Bank, United Wholesale Mortgage. In total, 182 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.