Mortgage lending in Otero County, Colorado
Lenders in Otero County, Colorado reported 554 mortgage applications for 2025, according to the CFPB.
554 mortgage applications and 316 loans originated in 2025; the denial rate was 26.3% of 449 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Otero County, CO.
- 554
- Applications
- 316
- Loans originated
- 26.3%
- Denial rate
- 118 denied of 449 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 554 | 316 |
| 2024 | 566 | 300 |
| 2023 | 518 | 257 |
| 2022 | 663 | 356 |
| 2021 | 802 | 473 |
| 2020 | 673 | 373 |
| 2019 | 579 | 312 |
| 2018 | 588 | 295 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First National Bank Colorado | 42 | 47 |
| Rocket Mortgage | 40 | 60 |
| Ent Credit Union (68671) | 26 | 42 |
| United Wholesale Mortgage | 19 | 27 |
| Mortgage Solutions of Colorado | 13 | 14 |
| Guild Mortgage Company | 10 | 13 |
| US Bank, N.A. | 10 | 21 |
| Pennymac Loan Services LLC | 10 | 15 |
| Crosscountry Mortgage, LLC | 8 | 8 |
| Credit Union of Colorado, a Federal Credit Union | 7 | 13 |
| loanDepot.com LLC | 7 | 14 |
| Fairway Independent Mort Corp | 6 | 7 |
| Security Service | 5 | 7 |
| Lower, LLC | 5 | 11 |
| NBH Bank | 5 | 16 |
| Paramount Residential Mortgage | 4 | 4 |
| US Mortgage Corporation | 4 | 4 |
| American Financing Corporation | 4 | 14 |
| Mortgage Research Center | 4 | 10 |
| Newrez LLC | 4 | 10 |
| Plaza Home Mortgage, Inc | 4 | 8 |
| Nationstar Mortgage | 4 | 4 |
| Flanagan State Bank | 3 | 4 |
| Coastal Community Bank | 3 | 5 |
| Equity Prime Mortgage LLC | 3 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 19 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 404 | 24.6% of 341 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 112 | 32.1% of 81 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 144 | 22.0% of 118 decided |
| Not Hispanic or Latino | 288 | 25.5% of 239 decided |
| Joint | 29 | no rate: base under 50 |
| Ethnicity Not Available | 93 | 36.8% of 68 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 204 | 23.6% of 174 decided |
| Female | 149 | 28.3% of 120 decided |
| Joint | 142 | 22.6% of 115 decided |
| Sex Not Available | 59 | no rate: base under 50 |
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. 2126 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