Lenders › Change Lending, LLC › Colorado
Change Lending, LLC in Colorado
HMDA record for properties in Colorado, calendar year 2024. National record · Colorado overview
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.
Change Lending, LLC's 2024 HMDA record for Colorado covers 286 applications, 192 of them originated, worth $112m.
Its denial rate in the state was 3.5%, below the Colorado rate of 21.6% across all lenders and compared with the lender's national rate of 13.7%.
The median rate spread on its Colorado originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 14% on 2023.
Compared with the state and the lender's national record
| Measure | In Colorado | Colorado, all lenders | Change Lending, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.5% | 21.6% | 13.7% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.0% | 14.7% | 31.6% | 15.6% |
| Average originated loan | $585k | $416k | $531k | $329k |
| Home purchase share | 66.7% | 55.7% | 60.9% | 57.0% |
| FHA-insured share | 7.3% | 12.3% | 15.4% | 13.4% |
| VA-guaranteed share | 1.6% | 9.7% | 3.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateColorado, all lenders
Loan purpose and loan type in Colorado
By purpose
Home purchase 74% (128)Home improvement 1% (1)Refinancing 11% (19)Cash-out refinancing 14% (24)
By type
Conventional 91% (175)FHA 7% (14)VA 2% (3)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Colorado
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 37 | 30 | $16m | 6.3% |
| Boulder County | 36 | 22 | $17m | — |
| Denver County | 36 | 22 | $20m | — |
| Arapahoe County | 29 | 21 | $11m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Change Lending, LLC originate in Colorado in 2024?
192 loans totalling $112m, from 286 applications reported for properties in Colorado.
What is Change Lending, LLC's denial rate in Colorado?
3.5% of decided applications in Colorado were denied, against 21.6% for all lenders in the state and 13.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Colorado counties does Change Lending, LLC lend in most?
By originations: Jefferson County (30), Boulder County (22), Denver County (22), Arapahoe County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Colorado. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.