Lenders › United Wholesale Mortgage › Colorado
United Wholesale Mortgage 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.
In Colorado, United Wholesale Mortgage reported 20,126 applications and 15,733 originations for 2024, $7.3bn in all.
Its denial rate in the state was 10.2%, below the Colorado rate of 21.6% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Colorado originations was -0.0 percentage points (state median 0.3).
Applications in the state were up 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Colorado | Colorado, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.2% | 21.6% | 13.4% | 24.3% |
| Median rate spread, pp | -0.0 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.2% | 14.7% | 5.8% | 15.6% |
| Average originated loan | $461k | $416k | $382k | $329k |
| Home purchase share | 69.4% | 55.7% | 67.0% | 57.0% |
| FHA-insured share | 15.7% | 12.3% | 20.3% | 13.4% |
| VA-guaranteed share | 18.6% | 9.7% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateColorado, all lenders
Loan purpose and loan type in Colorado
By purpose
Home purchase 69% (10,923)Refinancing 18% (2,803)Cash-out refinancing 13% (2,007)
By type
Conventional 66% (10,330)FHA 16% (2,464)VA 19% (2,931)USDA 0% (8)
Denial reasons as coded
Share of 1,821 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 | 3,487 | 2,816 | $1.3bn | 7.2% |
| Arapahoe County | 2,370 | 1,836 | $827m | 12.1% |
| Denver County | 2,074 | 1,627 | $769m | 10.7% |
| Jefferson County | 1,967 | 1,564 | $793m | 8.7% |
| Adams County | 1,967 | 1,508 | $640m | 13.0% |
| Douglas County | 1,453 | 1,170 | $654m | 8.3% |
| Weld County | 1,287 | 977 | $417m | 12.2% |
| Larimer County | 1,046 | 825 | $369m | 10.1% |
| Pueblo County | 726 | 558 | $164m | 10.5% |
| Boulder County | 704 | 555 | $325m | 8.2% |
| Mesa County | 448 | 333 | $112m | 12.3% |
| La Plata County | 336 | 251 | $116m | 11.2% |
| Broomfield County | 185 | 151 | $79m | 3.8% |
| Teller County | 146 | 117 | $49m | 8.4% |
| Garfield County | 141 | 106 | $55m | 11.6% |
| Summit County | 149 | 105 | $80m | 18.3% |
| Fremont County | 126 | 99 | $34m | 9.8% |
| Elbert County | 133 | 95 | $50m | 13.3% |
| Park County | 117 | 87 | $36m | 10.1% |
| Grand County | 109 | 85 | $49m | 14.1% |
| Eagle County | 108 | 82 | $49m | 7.7% |
| Montrose County | 78 | 66 | $25m | 8.1% |
| Montezuma County | 77 | 61 | $20m | 10.3% |
| Archuleta County | 75 | 59 | $22m | 9.2% |
| Delta County | 68 | 53 | $17m | 6.8% |
| Routt County | 67 | 53 | $35m | 11.3% |
| Morgan County | 79 | 48 | $18m | 22.6% |
| Logan County | 57 | 46 | $9.3m | 9.8% |
| Chaffee County | 48 | 39 | $19m | 13.3% |
| Gunnison County | 53 | 38 | $25m | 2.4% |
| Clear Creek County | 45 | 37 | $19m | 11.9% |
| Otero County | 38 | 26 | $5.5m | 21.2% |
| Lake County | 33 | 25 | $11m | 16.7% |
| Moffat County | 34 | 24 | $6.9m | 13.3% |
| Gilpin County | 25 | 19 | $9.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Colorado in 2024?
15,733 loans totalling $7.3bn, from 20,126 applications reported for properties in Colorado.
What is United Wholesale Mortgage's denial rate in Colorado?
10.2% of decided applications in Colorado were denied, against 21.6% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: El Paso County (2,816), Arapahoe County (1,836), Denver County (1,627), Jefferson County (1,564), Adams County (1,508).
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.