Huerfano County
Colorado · FIPS 08055
According to CFPB HMDA 2024 application volume among U.S. counties, Huerfano County ranks #2,369 of 3,223, and #41 of 64 in Colorado.
Mortgage lending activity in Huerfano 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. Huerfano County, Colorado lenders denied 67 of the applications reported here, financing the rest at an average note rate of 6.73%, with applicants self-reporting average annual income of $39K. 61 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Huerfano County
In Huerfano County, lead originator Rocket Mortgage funded only 10.2% of 137 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Huerfano County's 299 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Huerfano County's $211,355 average loan (deduped against volume peers).
Lenders active in Huerfano County
Rocket Mortgage funded 14 of the 137 loans originated in Huerfano County, 10.2% of the county. 61 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 14 | 10.2% |
| 2 | United Wholesale Mortgage | 12 | 8.8% |
| 3 | Ent Credit Union (68671) | 9 | 6.6% |
| 4 | NBH Bank | 6 | 4.4% |
| 5 | New American Funding, LLC. | 6 | 4.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Huerfano 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 Huerfano 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.