Mortgage lending in Garfield County, Colorado
Lenders in Garfield County, Colorado reported 3,062 mortgage applications for 2025, according to the CFPB.
3,062 mortgage applications and 1,666 loans originated in 2025; the denial rate was 23.9% of 2,386 applications decided. The median loan was about $335,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Garfield County, CO.
- 3,062
- Applications
- 1,666
- Loans originated
- 23.9%
- Denial rate
- 571 denied of 2,386 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,062 | 1,666 |
| 2024 | 2,777 | 1,484 |
| 2023 | 2,466 | 1,294 |
| 2022 | 3,520 | 2,100 |
| 2021 | 6,655 | 4,359 |
| 2020 | 6,557 | 4,262 |
| 2019 | 4,198 | 2,576 |
| 2018 | 3,441 | 2,091 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Alpine Bank | 366 | 524 |
| United Wholesale Mortgage | 108 | 144 |
| Rocket Mortgage | 79 | 112 |
| FirstBank | 70 | 97 |
| Guild Mortgage Company | 70 | 96 |
| Bay Equity LLC | 66 | 110 |
| T2 Financial LLC | 61 | 82 |
| Bank of Colorado | 50 | 70 |
| ANB Bank | 47 | 98 |
| Guaranteed Rate, Inc. | 35 | 80 |
| Canvas Credit Union | 31 | 51 |
| Fairway Independent Mort Corp | 27 | 44 |
| Paramount Residential Mortgage | 25 | 33 |
| Triad Financial Services, Inc. | 25 | 117 |
| Pennymac Loan Services LLC | 23 | 40 |
| US Bank, N.A. | 21 | 50 |
| 21ST Mortgage | 18 | 125 |
| Northpointe Bank | 17 | 22 |
| Newrez LLC | 16 | 45 |
| Nationstar Mortgage | 16 | 27 |
| Crosscountry Mortgage, LLC | 15 | 26 |
| Navy Federal Credit Union | 13 | 24 |
| loanDepot.com LLC | 13 | 19 |
| Figure Lending LLC | 12 | 19 |
| Cornerstone Capital Bank, SSB | 12 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 23 | no rate: base under 50 |
| Black or African American | 15 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 2,356 | 22.2% of 1,860 decided |
| 2 or more minority races | under 10 | |
| Joint | 49 | no rate: base under 50 |
| Race Not Available | 572 | 30.9% of 427 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 780 | 35.2% of 591 decided |
| Not Hispanic or Latino | 1,762 | 19.4% of 1,397 decided |
| Joint | 87 | 21.9% of 64 decided |
| Ethnicity Not Available | 433 | 23.4% of 334 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 967 | 25.8% of 743 decided |
| Female | 617 | 32.5% of 468 decided |
| Joint | 1,237 | 18.8% of 985 decided |
| Sex Not Available | 241 | 22.1% of 190 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 177 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved