Elbert County
Colorado · FIPS 08039
According to CFPB HMDA 2024 application volume among U.S. counties, Elbert County ranks #820 of 3,223, and #14 of 64 in Colorado.
Mortgage lending activity in Elbert 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. Elbert County, Colorado lenders denied 377 of the applications reported here, financing the rest at an average note rate of 6.75%, with applicants self-reporting average annual income of $40K. 187 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.4x, meaning typical borrowers took on mortgages of about 10.4 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 Elbert County
In Elbert County, lead originator Lennar Mortgage, LLC funded 17.9% of 1,307 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 29.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Elbert County's 2,490 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Elbert County's $415,522 average loan (deduped against volume peers).
Lenders active in Elbert County
Lennar Mortgage, LLC funded 234 of the 1,307 loans originated in Elbert County, 17.9% of the county. 187 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lennar Mortgage, LLC | 234 | 17.9% |
| 2 | United Wholesale Mortgage | 95 | 7.3% |
| 3 | DHI Mortgage Company, LTD. | 60 | 4.6% |
| 4 | Bellco Credit Union | 53 | 4.1% |
| 5 | Ent Credit Union (68671) | 47 | 3.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Elbert 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 Elbert 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.