Jackson County
Colorado · FIPS 08057
According to CFPB HMDA 2024 application volume among U.S. counties, Jackson County ranks #3,097 of 3,223, and #63 of 64 in Colorado.
Mortgage lending activity in Jackson 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. Jackson County, Colorado lenders denied 5 of the applications reported here, financing the rest at an average note rate of 7.14%, with applicants self-reporting average annual income of $39K. 17 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 Jackson County
In Jackson County, lead originator Bank of Colorado funded 11.1% of 18 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 22.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Jackson County's 36 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jackson County's $246,667 average loan (deduped against volume peers).
Lenders active in Jackson County
Bank of Colorado funded 2 of the 18 loans originated in Jackson County, 11.1% of the county. 17 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Bank of Colorado | 2 | 11.1% |
| 2 | Arc Home LLC | 1 | 5.6% |
| 3 | First Western Trust Bank | 1 | 5.6% |
| 4 | Kind Lending, LLC | 1 | 5.6% |
| 5 | Mutual of Omaha Mortgage | 1 | 5.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Jackson 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 Jackson 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.