Saguache County
Colorado · FIPS 08109
According to CFPB HMDA 2024 application volume among U.S. counties, Saguache County ranks #2,509 of 3,210, and #45 of 64 in Colorado.
Mortgage lending activity in Saguache 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. Saguache County, Colorado saw 228 HMDA-reported mortgage applications in 2024. Lenders originated 94 of those loans and denied 54, producing a denial rate of 23.7% and an approval (origination) rate of 41.2%. The average loan amount was $211,272 at an average note rate of 6.67%, with applicants self-reporting average annual income of $37K. 53 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Saguache County
In Saguache County, lead originator Blue Federal Credit Union funded only 8.5% of 94 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Saguache County's 228 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Saguache County's $211,272 average loan (deduped against volume peers).
Lenders active in Saguache County
Blue Federal Credit Union funded 8 of the 94 loans originated in Saguache County, 8.5% of the county. 53 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Blue Federal Credit Union | 8 | 8.5% |
| 2 | United Wholesale Mortgage | 7 | 7.4% |
| 3 | Guild Mortgage Company | 6 | 6.4% |
| 4 | High Country Bank | 5 | 5.3% |
| 5 | Rocket Mortgage | 5 | 5.3% |
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; does not constitute financial advice for Saguache County borrowers.
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 Saguache County 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. 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.