Teller County
Colorado · FIPS 08119
According to CFPB HMDA 2024 application volume among U.S. counties, Teller County ranks #1,021 of 3,210, and #20 of 64 in Colorado.
Mortgage lending activity in Teller 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. Teller County, Colorado saw 1,692 HMDA-reported mortgage applications in 2024. Lenders originated 919 of those loans and denied 242, producing a denial rate of 14.3% and an approval (origination) rate of 54.3%. The average loan amount was $321,974 at an average note rate of 7.23%, with applicants self-reporting average annual income of $40K. 164 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 Teller County
In Teller County, lead originator Ent Credit Union (68671) funded 23.3% of 919 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Teller County's 1,692 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Teller County's $321,974 average loan (deduped against volume peers).
Lenders active in Teller County
Ent Credit Union (68671) funded 214 of the 919 loans originated in Teller County, 23.3% of the county. 164 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Ent Credit Union (68671) | 214 | 23.3% |
| 2 | United Wholesale Mortgage | 117 | 12.7% |
| 3 | Rocket Mortgage | 43 | 4.7% |
| 4 | Ark-La-Tex Financial Services LLC | 31 | 3.4% |
| 5 | Guaranteed Rate, INC. | 21 | 2.3% |
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 Teller 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 Teller 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.