San Miguel County
Colorado · FIPS 08113
According to CFPB HMDA 2024 application volume among U.S. counties, San Miguel County ranks #2,210 of 3,210, and #38 of 64 in Colorado.
Mortgage lending activity in San Miguel 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. San Miguel County, Colorado saw 377 HMDA-reported mortgage applications in 2024. Lenders originated 204 of those loans and denied 45, producing a denial rate of 11.9% and an approval (origination) rate of 54.1%. The average loan amount was $930,597 at an average note rate of 7.35%, with applicants self-reporting average annual income of $36K. 67 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 25.8x, meaning typical borrowers took on mortgages of about 25.8 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 San Miguel County
In San Miguel County, lead originator Alpine Bank funded 22.1% of 204 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to San Miguel County's 377 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Miguel County's $930,597 average loan (deduped against volume peers).
Lenders active in San Miguel County
Alpine Bank funded 45 of the 204 loans originated in San Miguel County, 22.1% of the county. 67 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Alpine Bank | 45 | 22.1% |
| 2 | United Wholesale Mortgage | 16 | 7.8% |
| 3 | JPMorgan Chase Bank, NA | 12 | 5.9% |
| 4 | NBH Bank | 9 | 4.4% |
| 5 | ANB Bank | 8 | 3.9% |
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 San Miguel 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 San Miguel 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.