Mortgage lending in Ouray County, Colorado

Lenders in Ouray County, Colorado reported 305 mortgage applications for 2025, according to the CFPB.

305 mortgage applications and 183 loans originated in 2025; the denial rate was 22.1% of 253 applications decided. The median loan was about $445,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Ouray County, CO.

305
Applications: 183
Loans originated: 22.1%
Denial rate: 56 denied of 253 applications decided.

Every year

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Mortgage applications and loans originated in Ouray County, Colorado, by year
Year	Applications	Originated	Denied
2025	305	183	56
2024	210	130	31
2023	183	101	37
2022	364	223	53
2021	712	452	64
2020	674	437	83
2019	409	265	41
2018	283	176	44

The largest lenders here

Lenders in Ouray County, Colorado by loans originated, 2025
Lender	Originated	Applications
Alpine Bank	33	43
Cornerstone Capital Bank, SSB	15	19
United Wholesale Mortgage	14	19
Rocket Mortgage	13	18
Guild Mortgage Company	8	10
The Central Trust Bank	5	6
Nextmortgage, LLC	4	8
Bank of Colorado	4	7
US Bank, N.A.	4	10
Canvas Credit Union	3	6
The Mortgage Link, Inc.	3	4
Mutual of Omaha Mortgage	3	3
NBH Bank	3	4
JPMorgan Chase Bank, NA	3	5
Flanagan State Bank	2	2
Ark-LA-Tex Financial Services LLC	2	2
Resicentral LLC	2	2
Navy Federal Credit Union	2	4
Provident Funding Associates	2	2
Liberty Federal Credit Union	2	2
Third Federal Savings and Loan	2	2
New American Funding, LLC.	2	3
Charles Schwab Bank, SSB	2	2
Kind Lending, LLC	2	4
Alliant Credit Union	2	3

Applications by race, ethnicity and sex, 2025

By race, Ouray County, Colorado: applications and denial rate
Category	Applications	Denial rate
American Indian or Alaska Native	under 10
Asian	under 10
Black or African American	under 10
White	238	20.4% of 201 decided
Joint	under 10
Race Not Available	53	no rate: base under 50

By ethnicity, Ouray County, Colorado: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	244	21.0% of 205 decided
Joint	under 10
Ethnicity Not Available	49	no rate: base under 50

By sex, Ouray County, Colorado: applications and denial rate
Category	Applications	Denial rate
Male	95	30.8% of 78 decided
Female	37	no rate: base under 50
Joint	145	14.9% of 121 decided
Sex Not Available	28	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. 55 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 October 22, 2026