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2024 data HMDA 2024 disclosure official source

Ouray County

223 mortgage applications, 13.9% denial rate. Verify FIPS 08091 with U.S. Census Bureau →

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Colorado · FIPS 08091

Local mortgage market. Ouray County, Colorado saw 223 HMDA-reported mortgage applications in 2024. Lenders originated 130 of those loans and denied 31, producing a denial rate of 13.9% and an approval (origination) rate of 58.3%. The average loan amount was $531,547 at an average note rate of 7.24%, with applicants self-reporting average annual income of $36K. 66 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 14.8x, meaning typical borrowers took on mortgages of about 14.8 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.

FIPS 08091 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

223
Applications
130
Originated
13.9%
Denial Rate
58.3%
Approval Rate
$531,547
Avg Loan Amount
7.24%
Avg Interest Rate
$36K
Avg Applicant Income
14.8x
Loan-to-Income Ratio

Nearby Lenders in Ouray 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 Alpine Bank 16 12.3%
2 United Wholesale Mortgage 12 9.2%
3 Rocket Mortgage 8 6.2%
4 Cornerstone Capital Bank, SSB 6 4.6%
5 Ent Credit Union (68671) 4 3.1%
Compare Alpine Bank vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Ouray County?
In the 2024 HMDA reporting year, 223 mortgage applications were filed in Ouray County, Colorado. Of these, 130 were originated (approved and funded), while 31 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Ouray County?
The mortgage denial rate in Ouray County is 13.9%. The approval (origination) rate is 58.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ouray County?
The average mortgage loan amount in Ouray County is $531,547. The average interest rate is 7.243%. The average applicant income is $36K.
What is the loan-to-income ratio in Ouray County?
The average loan-to-income ratio in Ouray County is 14.8x, meaning borrowers took on loans averaging 14.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ouray County?
The top mortgage lenders in Ouray County by origination volume are Alpine Bank, United Wholesale Mortgage, Rocket Mortgage. In total, 66 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.