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2024 data HMDA 2024 disclosure official source

Moffat County

556 mortgage applications, 15.5% denial rate. Verify FIPS 08081 with U.S. Census Bureau →

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Colorado · FIPS 08081

Local mortgage market. Moffat County, Colorado saw 556 HMDA-reported mortgage applications in 2024. Lenders originated 285 of those loans and denied 86, producing a denial rate of 15.5% and an approval (origination) rate of 51.3%. The average loan amount was $234,191 at an average note rate of 7.04%, with applicants self-reporting average annual income of $38K. 68 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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 08081 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

556
Applications
285
Originated
15.5%
Denial Rate
51.3%
Approval Rate
$234,191
Avg Loan Amount
7.04%
Avg Interest Rate
$38K
Avg Applicant Income
6.2x
Loan-to-Income Ratio

Nearby Lenders in Moffat 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 Nfm, INC 40 14.0%
2 Bank of Colorado 32 11.2%
3 United Wholesale Mortgage 24 8.4%
4 Crosscountry Mortgage, LLC 21 7.4%
5 Rocket Mortgage 20 7.0%
Compare Nfm, INC vs Bank of Colorado →

Frequently Asked Questions

How many mortgage applications were filed in Moffat County?
In the 2024 HMDA reporting year, 556 mortgage applications were filed in Moffat County, Colorado. Of these, 285 were originated (approved and funded), while 86 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Moffat County?
The mortgage denial rate in Moffat County is 15.5%. The approval (origination) rate is 51.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Moffat County?
The average mortgage loan amount in Moffat County is $234,191. The average interest rate is 7.044%. The average applicant income is $38K.
What is the loan-to-income ratio in Moffat County?
The average loan-to-income ratio in Moffat County is 6.2x, meaning borrowers took on loans averaging 6.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Moffat County?
The top mortgage lenders in Moffat County by origination volume are Nfm, INC, Bank of Colorado, United Wholesale Mortgage. In total, 68 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.