Mesa County
Colorado · FIPS 08077
According to CFPB HMDA 2024 application volume among U.S. counties, Mesa County ranks #353 of 3,223, and #10 of 64 in Colorado.
Mortgage lending activity in Mesa 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. Mesa County, Colorado lenders denied 1,175 of the applications reported here, financing the rest at an average note rate of 7.27%, with applicants self-reporting average annual income of $38K. 246 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 Mesa County
In Mesa County, lead originator Guild Mortgage Company funded only 7.8% of 4,341 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Mesa County's 8,177 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Mesa County's $260,550 average loan (deduped against volume peers).
Lenders active in Mesa County
Guild Mortgage Company funded 340 of the 4,341 loans originated in Mesa County, 7.8% of the county. 246 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 340 | 7.8% |
| 2 | United Wholesale Mortgage | 333 | 7.7% |
| 3 | Ark-La-Tex Financial Services LLC | 329 | 7.6% |
| 4 | Fairway Independent Mort CORP | 209 | 4.8% |
| 5 | Rocket Mortgage | 203 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Mesa 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 Mesa 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.