Park County
Colorado · FIPS 08093
According to CFPB HMDA 2024 application volume among U.S. counties, Park County ranks #1,049 of 3,223, and #21 of 64 in Colorado.
Mortgage lending activity in Park 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. Park County, Colorado lenders denied 289 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. 182 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.2x, meaning typical borrowers took on mortgages of about 9.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Park County
In Park County, lead originator United Wholesale Mortgage funded only 10.6% of 824 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Park County's 1,651 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Park County's $347,768 average loan (deduped against volume peers).
Lenders active in Park County
United Wholesale Mortgage funded 87 of the 824 loans originated in Park County, 10.6% of the county. 182 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 87 | 10.6% |
| 2 | Rocket Mortgage | 56 | 6.8% |
| 3 | Ent Credit Union (68671) | 34 | 4.1% |
| 4 | FirstBank | 24 | 2.9% |
| 5 | Us Bank, N.A. | 17 | 2.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Park 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 Park 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.