Gunnison County
Colorado · FIPS 08051
According to CFPB HMDA 2024 application volume among U.S. counties, Gunnison County ranks #1,690 of 3,210, and #30 of 64 in Colorado.
Mortgage lending activity in Gunnison 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. Gunnison County, Colorado saw 736 HMDA-reported mortgage applications in 2024. Lenders originated 390 of those loans and denied 108, producing a denial rate of 14.7% and an approval (origination) rate of 53.0%. The average loan amount was $531,087 at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 132 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 14.4x, meaning typical borrowers took on mortgages of about 14.4 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 Gunnison County
In Gunnison County, lead originator United Wholesale Mortgage funded only 9.7% of 390 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Gunnison County's 736 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Gunnison County's $531,087 average loan (deduped against volume peers).
Lenders active in Gunnison County
United Wholesale Mortgage funded 38 of the 390 loans originated in Gunnison County, 9.7% of the county. 132 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 38 | 9.7% |
| 2 | Guild Mortgage Company | 32 | 8.2% |
| 3 | Rocket Mortgage | 28 | 7.2% |
| 4 | BMO Harris Bank NA | 15 | 3.8% |
| 5 | NBH Bank | 12 | 3.1% |
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 Gunnison 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 Gunnison 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.