El Paso County
Colorado · FIPS 08041
According to CFPB HMDA 2024 application volume among U.S. counties, El Paso County ranks #49 of 3,210, and #1 of 64 in Colorado.
Mortgage lending activity in El Paso 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. El Paso County, Colorado saw 37,059 HMDA-reported mortgage applications in 2024. Lenders originated 20,327 of those loans and denied 5,168, producing a denial rate of 13.9% and an approval (origination) rate of 54.9%. The average loan amount was $350,175 at an average note rate of 6.94%, with applicants self-reporting average annual income of $39K. 470 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.0x, meaning typical borrowers took on mortgages of about 9.0 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 El Paso County
In El Paso County, lead originator Ent Credit Union (68671) funded 20.2% of 20,327 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to El Paso County's 37,059 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to El Paso County's $350,175 average loan (deduped against volume peers).
Lenders active in El Paso County
Ent Credit Union (68671) funded 4,102 of the 20,327 loans originated in El Paso County, 20.2% of the county. 470 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Ent Credit Union (68671) | 4,102 | 20.2% |
| 2 | United Wholesale Mortgage | 2,816 | 13.9% |
| 3 | Rocket Mortgage | 960 | 4.7% |
| 4 | Mortgage Research Center | 451 | 2.2% |
| 5 | Navy Federal Credit Union | 424 | 2.1% |
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 El Paso 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 El Paso 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.