Colorado Mortgage Lending in 2025
Explore residential mortgage lending activity in Colorado using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 117,504 actionable applications (Actions 1, 2, and 3).
How Colorado Compares
Key metrics: Colorado vs. U.S. (2025)
| Metric | Colorado | U.S. |
|---|---|---|
| Actionable Apps | 117,504 | 5,197,320 |
| Approval Rate | 85.92% | 82.12% |
| Denial Rate | 14.08% | 17.88% |
| Originations | 95,877 | 4,052,301 |
| Originated Volume | $47.29 Billion | $1.58 Trillion |
| Median Loan | $445,000 | $325,000 |
Lending Trends in Colorado
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 137,488 | 151,634 | +10.29% |
| Actionable Apps | 107,759 | 117,504 | +9.04% |
| Originations | 86,633 | 95,877 | +10.67% |
| Approval Rate | 84.85% | 85.92% | +1.07 pp |
| Denial Rate | 15.15% | 14.08% | -1.07 pp |
| Median Loan | $445,000 | $445,000 | 0.00% |
| Dollar Volume | $41.69 Billion | $47.29 Billion | +13.43% |
Applications by Borrower Income (Colorado)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 29,870 | 88.61% | 11.39% |
| $150k+ | 43,115 | 92.45% | 7.55% |
| $50k–$99,999 | 30,253 | 80.48% | 19.52% |
| <$50k | 6,339 | 55.28% | 44.72% |
| Income unavailable/entity | 7,927 | 85.56% | 14.44% |
Metropolitan Areas in Colorado
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Denver-Aurora-Centennial | 58,241 | 48,299 | 86.72% |
| Colorado Springs | 18,790 | 15,294 | 87.15% |
| Greeley | 9,355 | 7,351 | 82.59% |
| Fort Collins-Loveland | 6,930 | 5,764 | 87.53% |
| Boulder | 4,644 | 4,033 | 91.00% |
| Pueblo | 3,582 | 2,752 | 82.91% |
| Grand Junction | 3,475 | 2,862 | 86.68% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Colorado (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 16,573 | 91.22% |
| 2 | ROCKET MORTGAGE | 5,597 | 82.89% |
| 3 | GUILD MORTGAGE COMPANY | 3,261 | 96.70% |
| 4 | ENT CREDIT UNION (68671) | 2,235 | 86.37% |
| 5 | CROSSCOUNTRY MORTGAGE, LLC | 2,125 | 96.75% |
| 6 | FAIRWAY INDEPENDENT MORT CORP | 1,731 | 94.24% |
| 7 | GUARANTEED RATE, INC. | 1,723 | 95.56% |
| 8 | Elevations Credit Union | 1,593 | 93.30% |
| 9 | PENNYMAC LOAN SERVICES LLC | 1,555 | 86.29% |
| 10 | FREEDOM MORTGAGE CORPORATION | 1,554 | 89.58% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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Export official Colorado mortgage data for research, journalism, or analysis.