CO · Statewide HMDA 2024
Colorado mortgage lending
According to the CFPB HMDA 2024 Snapshot, 957 reporting lenders · 64 counties · 7 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Colorado ranks #17 of 54 by application volume but #26 of 52 states with 10,000+ applications on origination share (53.5%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #26
- Origination-share rank of 52
- 53.5%
- Origination share
- 143,020
- Originated
- 15.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
267,521reported applications
CFPB HMDA state filing plate
State CO · Colorado 15.7% denial
VOL-MID · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MID #17/54
- DEN-MID 15.7%
- PHOTO-FINISH Arizona
- ORIG-FLOOR 53.5%
- BOOK-FULL 957 lenders
- LEAD-MIX 11% top
Photo-finish peer: Arizona · 15.6% denial (+0.0pp vs Colorado)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Colorado
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Colorado: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (15.7% here).
Similar application volume
Nearest states by HMDA applications filed (267,521 here).
Top lenders by originations · Colorado
Funded loans among HMDA-reporting institutions active in this state.
Where Colorado sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
267,521 Top 31% higher than 69% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Colorado
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Colorado filed 267,521 HMDA-reported applications in 2024 (#17 of 54 by volume) with a 15.7% denial rate - near the national 17.2% baseline. White applicants (171,673 apps) show 16.2% denial; Asian applicants (9,136 apps) show 16.4% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Colorado
Top HMDA-reporting lenders active in Colorado. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 15,733 | 11.0% |
| 2 | Ent Credit Union (68671) | 7,858 | 5.5% |
| 3 | Rocket Mortgage | 7,250 | 5.1% |
| 4 | Bellco Credit Union | 4,136 | 2.9% |
| 5 | Guild Mortgage Company | 3,713 | 2.6% |
Reported outcomes by applicant race in Colorado
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 171,673 | 60.9% | 16.2% |
| Asian | 9,136 | 58.0% | 16.4% |
| Black or African American | 7,353 | 49.0% | 25.2% |
| Joint | 6,977 | 63.6% | 13.7% |
| American Indian or Alaska Native | 2,409 | 46.0% | 27.7% |
| 2 or more minority races | 540 | 47.8% | 28.7% |
| Native Hawaiian or Other Pacific Islander | 497 | 48.3% | 23.9% |
Every county in Colorado, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| El Paso County | 37,059 | 20,327 | 13.9% | $350,175 |
| Arapahoe County | 27,765 | 14,687 | 16.5% | $372,057 |
| Adams County | 26,997 | 13,324 | 20.1% | $347,321 |
| Denver County | 25,838 | 14,158 | 14.5% | $451,859 |
| Jefferson County | 25,244 | 13,946 | 14.6% | $392,994 |
| Douglas County | 21,187 | 11,802 | 12.5% | $451,635 |
| Weld County | 20,125 | 10,396 | 18.0% | $313,996 |
| Larimer County | 15,917 | 8,742 | 13.9% | $360,319 |
| Boulder County | 10,666 | 6,078 | 13.4% | $520,203 |
| Mesa County | 8,177 | 4,341 | 14.4% | $260,550 |
| Pueblo County | 8,098 | 4,240 | 17.6% | $231,094 |
| Garfield County | 2,994 | 1,483 | 20.8% | $424,065 |
| Broomfield County | 2,798 | 1,577 | 13.7% | $399,039 |
| Elbert County | 2,490 | 1,307 | 15.1% | $415,522 |
| Eagle County | 2,267 | 1,237 | 15.5% | $852,106 |
| La Plata County | 2,196 | 1,211 | 14.9% | $794,321 |
| Summit County | 2,180 | 1,242 | 14.6% | $672,505 |
| Fremont County | 2,154 | 1,087 | 17.8% | $228,519 |
| Montrose County | 1,754 | 932 | 15.4% | $259,464 |
| Teller County | 1,692 | 919 | 14.3% | $321,974 |
| Park County | 1,651 | 824 | 17.5% | $347,768 |
| Grand County | 1,608 | 886 | 16.2% | $1,061,723 |
| Delta County | 1,375 | 688 | 16.4% | $232,818 |
| Routt County | 1,167 | 624 | 12.8% | $640,536 |
| Morgan County | 1,114 | 591 | 17.3% | $248,196 |
| Chaffee County | 970 | 562 | 14.6% | $405,515 |
| Pitkin County | 886 | 501 | 15.3% | $2,391,456 |
| Archuleta County | 771 | 398 | 13.4% | $400,927 |
| Montezuma County | 753 | 376 | 18.1% | $261,467 |
| Gunnison County | 736 | 390 | 14.7% | $531,087 |
| Logan County | 732 | 408 | 15.2% | $179,740 |
| Otero County | 602 | 301 | 18.9% | $160,100 |
| Moffat County | 556 | 285 | 15.5% | $234,191 |
| Clear Creek County | 547 | 266 | 19.4% | $369,260 |
| Las Animas County | 442 | 183 | 20.4% | $202,330 |
| Lake County | 425 | 217 | 18.4% | $323,424 |
| Gilpin County | 377 | 205 | 16.4% | $336,751 |
| San Miguel County | 377 | 204 | 11.9% | $930,597 |
| Custer County | 340 | 176 | 17.6% | $287,118 |
| Alamosa County | 328 | 139 | 22.9% | $193,262 |
| Huerfano County | 299 | 137 | 22.4% | $211,355 |
| Rio Grande County | 286 | 137 | 22.0% | $234,825 |
| Prowers County | 263 | 129 | 23.6% | $154,354 |
| Rio Blanco County | 250 | 116 | 16.0% | $221,880 |
| Saguache County | 228 | 94 | 23.7% | $211,272 |
| Ouray County | 223 | 130 | 13.9% | $531,547 |
| Yuma County | 191 | 106 | 16.8% | $179,607 |
| Kit Carson County | 187 | 94 | 19.3% | $209,385 |
| Lincoln County | 160 | 81 | 20.6% | $209,000 |
| Washington County | 158 | 92 | 13.9% | $160,063 |
| Costilla County | 145 | 59 | 24.1% | $210,931 |
| Phillips County | 133 | 68 | 21.8% | $181,992 |
| Conejos County | 107 | 55 | 17.8% | $198,832 |
| Crowley County | 107 | 48 | 29.9% | $152,009 |
| Bent County | 96 | 40 | 21.9% | $162,917 |
| Sedgwick County | 85 | 43 | 16.5% | $124,176 |
| Dolores County | 55 | 24 | 29.1% | $218,273 |
| Mineral County | 51 | 27 | 17.6% | $307,353 |
| Baca County | 51 | 26 | 29.4% | $136,373 |
| Cheyenne County | 48 | 28 | 22.9% | $130,625 |
| San Juan County | 46 | 24 | 23.9% | $330,435 |
| Hinsdale County | 44 | 22 | 27.3% | $322,727 |
| Jackson County | 36 | 18 | 13.9% | $246,667 |
| Kiowa County | 22 | 9 | 40.9% | $115,000 |
Metro Areas in Colorado
Frequently Asked Questions
How many mortgage applications were filed in Colorado?
Where does Colorado sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Colorado?
What is the average mortgage loan amount in Colorado?
How many mortgage lenders operate in Colorado?
How do mortgage denial rates vary by demographics in Colorado?
Which counties in Colorado have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. 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.