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2024 data HMDA 2024 disclosure official source

Larimer County

15,917 mortgage applications, 13.9% denial rate. Verify FIPS 08069 with U.S. Census Bureau →

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Colorado · FIPS 08069

Local mortgage market. Larimer County, Colorado saw 15,917 HMDA-reported mortgage applications in 2024. Lenders originated 8,742 of those loans and denied 2,218, producing a denial rate of 13.9% and an approval (origination) rate of 54.9%. The average loan amount was $360,319 at an average note rate of 7.25%, with applicants self-reporting average annual income of $38K. 388 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.5x, meaning typical borrowers took on mortgages of about 9.5 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 08069 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

15,917
Applications
8,742
Originated
13.9%
Denial Rate
54.9%
Approval Rate
$360,319
Avg Loan Amount
7.25%
Avg Interest Rate
$38K
Avg Applicant Income
9.5x
Loan-to-Income Ratio

Nearby Lenders in Larimer 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 825 9.4%
2 Canvas Credit Union 404 4.6%
3 Ent Credit Union (68671) 384 4.4%
4 Elevation Credit Union 382 4.4%
5 Rocket Mortgage 379 4.3%
Compare United Wholesale Mortgage vs Canvas Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Larimer County?
In the 2024 HMDA reporting year, 15,917 mortgage applications were filed in Larimer County, Colorado. Of these, 8,742 were originated (approved and funded), while 2,218 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Larimer County?
The mortgage denial rate in Larimer County is 13.9%. The approval (origination) rate is 54.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Larimer County?
The average mortgage loan amount in Larimer County is $360,319. The average interest rate is 7.255%. The average applicant income is $38K.
What is the loan-to-income ratio in Larimer County?
The average loan-to-income ratio in Larimer County is 9.5x, meaning borrowers took on loans averaging 9.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Larimer County?
The top mortgage lenders in Larimer County by origination volume are United Wholesale Mortgage, Canvas Credit Union, Ent Credit Union (68671). In total, 388 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.