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2024 data HMDA 2024 disclosure official source

Routt County

1,167 mortgage applications, 12.8% denial rate. Verify FIPS 08107 with U.S. Census Bureau →

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Colorado · FIPS 08107

Local mortgage market. Routt County, Colorado saw 1,167 HMDA-reported mortgage applications in 2024. Lenders originated 624 of those loans and denied 149, producing a denial rate of 12.8% and an approval (origination) rate of 53.5%. The average loan amount was $640,536 at an average note rate of 7.24%, with applicants self-reporting average annual income of $37K. 144 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 17.3x, meaning typical borrowers took on mortgages of about 17.3 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 08107 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,167
Applications
624
Originated
12.8%
Denial Rate
53.5%
Approval Rate
$640,536
Avg Loan Amount
7.24%
Avg Interest Rate
$37K
Avg Applicant Income
17.3x
Loan-to-Income Ratio

Nearby Lenders in Routt 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 Crosscountry Mortgage, LLC 71 11.4%
2 United Wholesale Mortgage 53 8.5%
3 Nfm, INC 48 7.7%
4 Alpine Bank 41 6.6%
5 Group Mortgage, LLC 35 5.6%
Compare Crosscountry Mortgage, LLC vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Routt County?
In the 2024 HMDA reporting year, 1,167 mortgage applications were filed in Routt County, Colorado. Of these, 624 were originated (approved and funded), while 149 were denied, resulting in a denial rate of 12.8%.
What is the mortgage denial rate in Routt County?
The mortgage denial rate in Routt County is 12.8%. The approval (origination) rate is 53.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Routt County?
The average mortgage loan amount in Routt County is $640,536. The average interest rate is 7.238%. The average applicant income is $37K.
What is the loan-to-income ratio in Routt County?
The average loan-to-income ratio in Routt County is 17.3x, meaning borrowers took on loans averaging 17.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Routt County?
The top mortgage lenders in Routt County by origination volume are Crosscountry Mortgage, LLC, United Wholesale Mortgage, Nfm, INC. In total, 144 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.