Grand County
Colorado · FIPS 08049
According to CFPB HMDA 2024 application volume among U.S. counties, Grand County ranks #1,065 of 3,210, and #22 of 64 in Colorado.
Mortgage lending activity in Grand 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. Grand County, Colorado saw 1,608 HMDA-reported mortgage applications in 2024. Lenders originated 886 of those loans and denied 260, producing a denial rate of 16.2% and an approval (origination) rate of 55.1%. The average loan amount was $1,061,723 at an average note rate of 7.11%, with applicants self-reporting average annual income of $37K. 178 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 28.7x, meaning typical borrowers took on mortgages of about 28.7 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 Grand County
In Grand County, lead originator United Wholesale Mortgage funded only 9.6% of 886 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Grand County's 1,608 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grand County's $1,061,723 average loan (deduped against volume peers).
Lenders active in Grand County
United Wholesale Mortgage funded 85 of the 886 loans originated in Grand County, 9.6% of the county. 178 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 85 | 9.6% |
| 2 | Crosscountry Mortgage, LLC | 58 | 6.5% |
| 3 | Rocket Mortgage | 46 | 5.2% |
| 4 | Liberty Savings Bank, FSB | 31 | 3.5% |
| 5 | FirstBank | 31 | 3.5% |
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 Grand 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 Grand 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.