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2024 data HMDA 2024 disclosure official source

Grand County

1,608 mortgage applications, 16.2% denial rate. Verify FIPS 08049 with U.S. Census Bureau →

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Colorado · FIPS 08049

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.

FIPS 08049 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,608
Applications
886
Originated
16.2%
Denial Rate
55.1%
Approval Rate
$1,061,723
Avg Loan Amount
7.11%
Avg Interest Rate
$37K
Avg Applicant Income
28.7x
Loan-to-Income Ratio

Nearby Lenders in Grand 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 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%
Compare United Wholesale Mortgage vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Grand County?
In the 2024 HMDA reporting year, 1,608 mortgage applications were filed in Grand County, Colorado. Of these, 886 were originated (approved and funded), while 260 were denied, resulting in a denial rate of 16.2%.
What is the mortgage denial rate in Grand County?
The mortgage denial rate in Grand County is 16.2%. The approval (origination) rate is 55.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grand County?
The average mortgage loan amount in Grand County is $1,061,723. The average interest rate is 7.107%. The average applicant income is $37K.
What is the loan-to-income ratio in Grand County?
The average loan-to-income ratio in Grand County is 28.7x, meaning borrowers took on loans averaging 28.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grand County?
The top mortgage lenders in Grand County by origination volume are United Wholesale Mortgage, Crosscountry Mortgage, LLC, Rocket Mortgage. In total, 178 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.