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Mortgage Research Center 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.
Mortgage Research Center's 2024 HMDA record for Colorado covers 2,469 applications, 1,198 of them originated, worth $521m.
Its denial rate in the state was 23.1%, close to the Colorado rate of 21.6% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Colorado originations was -0.3 percentage points (state median 0.3).
Applications in the state were up 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Colorado | Colorado, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 23.1% | 21.6% | 24.0% | 24.3% |
| Median rate spread, pp | -0.3 | 0.3 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.3% | 14.7% | 0.8% | 15.6% |
| Average originated loan | $435k | $416k | $315k | $329k |
| Home purchase share | 80.4% | 55.7% | 81.8% | 57.0% |
| FHA-insured share | 1.3% | 12.3% | 2.9% | 13.4% |
| VA-guaranteed share | 95.8% | 9.7% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateColorado, all lenders
Loan purpose and loan type in Colorado
By purpose
Home purchase 80% (963)Refinancing 16% (197)Cash-out refinancing 3% (38)
By type
Conventional 3% (34)FHA 1% (15)VA 96% (1,148)USDA 0% (1)
Denial reasons as coded
Share of 365 denials in Colorado by first denial reason coded (outlined bar: all lenders in the state).
Counties in Colorado
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| El Paso County | 907 | 451 | $198m | 22.5% |
| Arapahoe County | 194 | 100 | $45m | 16.3% |
| Pueblo County | 190 | 85 | $27m | 29.6% |
| Weld County | 159 | 76 | $34m | 26.2% |
| Adams County | 152 | 67 | $32m | 26.1% |
| Larimer County | 105 | 47 | $23m | 22.2% |
| Douglas County | 98 | 44 | $27m | 30.2% |
| Denver County | 86 | 42 | $18m | 26.3% |
| Jefferson County | 83 | 38 | $19m | 19.1% |
| Mesa County | 78 | 37 | $14m | 15.9% |
| Fremont County | 50 | 26 | $10.0m | 25.7% |
| Delta County | 26 | 17 | $5.9m | — |
| Teller County | 28 | 15 | $6.3m | — |
| Boulder County | 26 | 9 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Colorado in 2024?
1,198 loans totalling $521m, from 2,469 applications reported for properties in Colorado.
What is Mortgage Research Center's denial rate in Colorado?
23.1% of decided applications in Colorado were denied, against 21.6% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: El Paso County (451), Arapahoe County (100), Pueblo County (85), Weld County (76), Adams County (67).
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.