Ouray County
Colorado · FIPS 08091
According to CFPB HMDA 2024 application volume among U.S. counties, Ouray County ranks #2,534 of 3,223, and #46 of 64 in Colorado.
Mortgage lending activity in Ouray 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. Ouray County, Colorado lenders denied 31 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Ouray County
In Ouray County, lead originator Alpine Bank funded 12.3% of 130 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.7% 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 Ouray County's 223 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ouray County's $531,547 average loan (deduped against volume peers).
Lenders active in Ouray County
Alpine Bank funded 16 of the 130 loans originated in Ouray County, 12.3% of the county. 66 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Ouray 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 Ouray 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.