Mineral County
Colorado · FIPS 08079
According to CFPB HMDA 2024 application volume among U.S. counties, Mineral County ranks #3,034 of 3,223, and #59 of 64 in Colorado.
Mortgage lending activity in Mineral 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. Mineral County, Colorado lenders denied 9 of the applications reported here, financing the rest at an average note rate of 7.33%, with applicants self-reporting average annual income of $35K. 23 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.8x, meaning typical borrowers took on mortgages of about 8.8 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 Mineral County
In Mineral County, lead originator Network Funding, L.P. funded 14.8% of 27 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.9% 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 Mineral County's 51 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Mineral County's $307,353 average loan (deduped against volume peers).
Lenders active in Mineral County
Network Funding, L.P. funded 4 of the 27 loans originated in Mineral County, 14.8% of the county. 23 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Network Funding, L.P. | 4 | 14.8% |
| 2 | Rocket Mortgage | 2 | 7.4% |
| 3 | Usaa Bank | 1 | 3.7% |
| 4 | Origin Bank | 1 | 3.7% |
| 5 | Fieldpoint Private Bank & Trust | 1 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Mineral 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 Mineral 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.