Lender in Colorado · HMDA 2025
Rate mortgages in Colorado
Rate's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
Rate originated 1,683 owner-occupied single-family loans in Colorado from 1,777 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $4,390 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.625% (Colorado: 6.50%).
Loans in CO
1,683
of 1,777 applications
Denial rate
2.3%
Purchase · CO 6.3%
Rate spread
+0.14 pts
Conv. · CO +0.04 pts
Loan amount
$445,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,381 | 1,338 | 2.3% | 6.625% | +0.14 pts | $4,390 | $445,000 |
| Refinance | 287 | 258 | 7.7% | 6.375% | +0.03 pts | $3,840 | $505,000 |
| Cash-out refinance | 109 | 87 | 19.3% | 6.625% | +0.23 pts | $5,560 | $455,000 |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 37.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Saguache County | 2 | 5 | 10.2% |
| Eagle County | 3 | 41 | 7.1% |
| Alamosa County | 3 | 6 | 7.1% |
| Teller County | 4 | 23 | 4.0% |
| Pitkin County | 4 | 9 | 6.5% |
| El Paso County | 5 | 465 | 3.3% |
| Denver County | 7 | 192 | 2.1% |
| Garfield County | 7 | 28 | 3.8% |
| Jackson County | 7 | 1 | 7.7% |
| Archuleta County | 8 | 6 | 2.4% |
| Arapahoe County | 9 | 152 | 1.6% |
| Fremont County | 9 | 15 | 2.3% |
| Gilpin County | 9 | 3 | 2.5% |
| Rio Grande County | 9 | 3 | 2.6% |
| Jefferson County | 11 | 148 | 1.6% |
| Chaffee County | 11 | 6 | 1.6% |
| Montezuma County | 11 | 4 | 1.5% |
| Weld County | 13 | 122 | 1.7% |
| Conejos County | 14 | 1 | 4.0% |
| Phillips County | 14 | 1 | 2.0% |
| Larimer County | 15 | 92 | 1.6% |
| Morgan County | 15 | 6 | 1.5% |
| Costilla County | 15 | 1 | 3.6% |
| Pueblo County | 16 | 32 | 1.2% |
| Adams County | 17 | 115 | 1.3% |
| Douglas County | 17 | 100 | 1.2% |
| Logan County | 17 | 3 | 1.3% |
| Boulder County | 20 | 36 | 0.9% |
| Routt County | 20 | 3 | 0.9% |
| San Miguel County | 20 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology