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La Plata County, Colorado
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
La Plata County, Colorado, saw 2,033 HMDA-reported applications and 1,212 originations ($498m) in 2024.
That is 49.7 originations per 1,000 households, against 60.3 for Colorado and 48.0 nationally.
The county's denial rate was 20.4%, close to the state rate of 21.6%. The median rate spread on originated loans was 0.3 percentage points and 12.7% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (251), The Central Trust Bank (84) and Bank of Colorado (78).
Originations were up 11% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 336 | 251 | $116m | 11.2% | — |
| 2 | The Central Trust Bank | 103 | 84 | $45m | 1.2% | — |
| 3 | Bank of Colorado | 122 | 78 | $27m | 11.8% | — |
| 4 | Alpine Bank | 104 | 77 | $19m | 13.0% | — |
| 5 | Rocket Mortgage | 78 | 68 | $26m | 8.1% | — |
| 6 | Glacier Bank | 82 | 49 | $15m | 21.0% | — |
| 7 | Credit Union of Colorado, A Federal Credit Union | 79 | 44 | $7.5m | 28.6% | — |
| 8 | Zions Bancorporation, N.A. | 43 | 25 | $9.1m | 25.6% | — |
| 9 | Us Bank, N.A. | 32 | 18 | $11m | 35.7% | — |
| 10 | Provident Funding Associates | 25 | 16 | $9.1m | — | — |
| 11 | Navy Federal Credit Union | 29 | 14 | $3.5m | — | — |
| 12 | Bank of America NA | 28 | 12 | $9.1m | — | — |
| 13 | Discover Bank | 40 | 11 | $1.1m | 59.3% | — |
| 14 | 21st Mortgage | 52 | 8 | $920k | 77.8% | — |
| 15 | Newrez LLC | 28 | 7 | $2.2m | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Colorado and the nation
| Measure | This county | Colorado | United States |
|---|---|---|---|
| Denial rate | 20.4% | 21.6% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.7% | 14.7% | 15.6% |
| Average originated loan | $411k | $416k | $329k |
| Originations per 1,000 households | 49.7 | 60.3 | 48.0 |
| Home purchase share of originations | 54.1% | 55.7% | 57.0% |
| FHA-insured share | 5.2% | 12.3% | 13.4% |
| VA-guaranteed share | 4.1% | 9.7% | 7.9% |
Rate spread distribution
Share of 1,051 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Colorado). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (656)Home improvement 9% (107)Refinancing 13% (159)Cash-out refinancing 12% (147)Other purpose 12% (143)
By type
Conventional 91% (1,099)FHA 5% (63)VA 4% (50)
Trend by year
ApplicationsOriginations
This countyColorado
Questions and answers
Which lenders are most active in La Plata County, CO?
By 2024 originations: United Wholesale Mortgage (251), The Central Trust Bank (84), Bank of Colorado (78), Alpine Bank (77), Rocket Mortgage (68). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in La Plata County?
20.4% of decided applications were denied in 2024, against 21.6% across Colorado and 24.3% nationally.
How many mortgages were originated in La Plata County in 2024?
1,212 loans totalling $498m, from 2,033 applications; 49.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 08067; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.