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Teller 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.
Teller County, Colorado, saw 1,547 HMDA-reported applications and 922 originations ($299m) in 2024.
That is 77.7 originations per 1,000 households, against 60.3 for Colorado and 48.0 nationally.
The county's denial rate was 19.5%, below the state rate of 21.6%. The median rate spread on originated loans was 0.4 percentage points and 19.7% of originations were 1.5 points or more above the average prime offer rate.
10 lenders reached 25 applications in the county; the most active by originations were Ent Credit Union (68671) (214), United Wholesale Mortgage (117) and Rocket Mortgage (43).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Ent Credit Union (68671) | 327 | 214 | $33m | 18.3% | — |
| 2 | United Wholesale Mortgage | 146 | 117 | $49m | 8.4% | — |
| 3 | Rocket Mortgage | 62 | 43 | $14m | 18.9% | — |
| 4 | Ark-La-Tex Financial Services LLC | 45 | 31 | $12m | 0.0% | — |
| 5 | Guaranteed Rate, Inc. | 30 | 21 | $7.1m | — | — |
| 6 | Pennymac Loan Services LLC | 37 | 20 | $8.6m | 25.0% | — |
| 7 | Mortgage Research Center | 28 | 15 | $6.3m | — | — |
| 8 | Freedom Mortgage Corporation | 31 | 14 | $6.3m | — | — |
| 9 | Navy Federal Credit Union | 27 | 11 | $3.9m | — | — |
| 10 | Discover Bank | 25 | 7 | $685k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 10. Denial rate is denials over decided applications in this county.
Compared with Colorado and the nation
| Measure | This county | Colorado | United States |
|---|---|---|---|
| Denial rate | 19.5% | 21.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 19.7% | 14.7% | 15.6% |
| Average originated loan | $325k | $416k | $329k |
| Originations per 1,000 households | 77.7 | 60.3 | 48.0 |
| Home purchase share of originations | 55.4% | 55.7% | 57.0% |
| FHA-insured share | 11.2% | 12.3% | 13.4% |
| VA-guaranteed share | 16.9% | 9.7% | 7.9% |
Rate spread distribution
Share of 857 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 55% (511)Home improvement 11% (97)Refinancing 12% (114)Cash-out refinancing 9% (82)Other purpose 13% (118)
By type
Conventional 72% (662)FHA 11% (103)VA 17% (156)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyColorado
Questions and answers
Which lenders are most active in Teller County, CO?
By 2024 originations: Ent Credit Union (68671) (214), United Wholesale Mortgage (117), Rocket Mortgage (43), Ark-La-Tex Financial Services LLC (31), Guaranteed Rate, Inc. (21). 10 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Teller County?
19.5% of decided applications were denied in 2024, against 21.6% across Colorado and 24.3% nationally.
How many mortgages were originated in Teller County in 2024?
922 loans totalling $299m, from 1,547 applications; 77.7 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 08119; 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.