PlainLender

ANB Bank

Denver, CO

ANB Bank processed 817 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 511 loans with a 16.6% denial rate. Home Purchase was the primary loan purpose. Based in Denver, CO. The approval rate of 62.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. ANB Bank processed 817 HMDA-reported mortgage applications in 2024, originating 511 loans and denying 136 for a denial rate of 16.6% (applicants themselves withdrew 114 files before a decision). The average loan amount was $415,820 at a 6.549% average note rate. The lender reports under LEI 549300UHQ3UXVA4AGM53 from Denver, CO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ANB Bank's 62.5% origination rate tells you how often an application turned into funded money; the 16.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (817 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

817
Applications
511
Originated
16.6%
Denial Rate
$415,820
Avg Loan Amount
Avg Interest Rate: 6.549%

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 817 511 136 $415,820

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ANB Bank (LEI: 549300UHQ3UXVA4AGM53) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
74
Debt-to-income ratio
72
Collateral
11
Employment history
6
Unverifiable information
4
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 536 338 $500,354
Refinancing 116 74 $382,069
Home Improvement 96 61 $197,083
Other 69 38 $120,217

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 693 63.1% 16.2%
Asian 15 66.7% 13.3%
Joint 14 71.4% 14.3%
Black or African American 9 77.8% 22.2%
American Indian or Alaska Native 8 50.0% 25.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 510 65.1% 15.1%
Hispanic or Latino 203 58.1% 18.7%
Joint 31 64.5% 22.6%

Nearby Lenders in CO

Other HMDA-reporting lenders in CO with similar activity. Compare any two side-by-side.

Pulte Mortgage LLC

Englewood, CO

28,004 apps 19,692 originated 10.9% denied

AMERICAN FINANCING CORPORATION

AURORA, CO

25,138 apps 4,785 originated 52.0% denied

ENT CREDIT UNION (68671)

COLORADO SPRINGS, CO

12,486 apps 7,861 originated 23.0% denied

BELLCO CREDIT UNION

GREENWOOD VILLAGE, CO

9,877 apps 4,150 originated 30.7% denied

Mortgage Solutions of Colorado

Colorado Springs, CO

9,759 apps 5,786 originated 3.7% denied
Compare ANB Bank vs Pulte Mortgage LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did ANB Bank process?
ANB Bank processed 817 mortgage applications in the 2023 HMDA reporting year. Of these, 511 were originated (approved and funded), 114 were withdrawn by the applicant, and 136 were denied.
What is ANB Bank's mortgage approval rate?
ANB Bank has an approval (origination) rate of 62.5%, meaning 62.5% of all applications resulted in a funded mortgage. The denial rate is 16.6%.
What is the average loan amount at ANB Bank?
The average mortgage loan amount at ANB Bank is $415,820. The average interest rate is 6.549%.
What are the most common reasons for mortgage denial at ANB Bank?
The most common reasons for mortgage denial at ANB Bank are: Credit history, Debt-to-income ratio, Collateral. In total, 136 applications were denied out of 817 total applications.
What types of mortgage loans does ANB Bank offer?
ANB Bank processes Conventional loans. The most common type is Conventional with 817 applications and an average loan amount of $415,820.
What loan purposes does ANB Bank serve?
ANB Bank serves the following loan purposes: Home Purchase (536 applications), Refinancing (116 applications), Home Improvement (96 applications), Other (69 applications). Home Purchase is the most common purpose.
Where is ANB Bank located?
ANB Bank is headquartered in Denver, CO. The lender is identified by LEI 549300UHQ3UXVA4AGM53 in HMDA data.
How does ANB Bank compare in lending across racial demographics?
ANB Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 63.1% and denial rate of 16.2%; Asian applicants have an approval rate of 66.7% and denial rate of 13.3%; Joint applicants have an approval rate of 71.4% and denial rate of 14.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.