Colorado · HMDA 2025
Mortgage lenders in San Miguel County, CO
116 lenders reported 459 home-loan applications in San Miguel County in 2025. 238 closed as loans ($287.5M), 76 were denied — a 22.7% denial rate on decided applications, above the Colorado rate of 19.6%. The three most active lenders handled 32% of applications, led by Alpine Bank. 21 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 459
- Loans originated
- 238
- Purchase / refinance
- 129 / 61
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in San Miguel County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Alpine Bank 73 out of 100, Strong | 80 | 17.4% | 13.2% |
| 2 | NBH Bank 66 out of 100, Moderate | 37 | 8.1% | 16.8% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 29 | 6.3% | 39.5% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 24 | 5.2% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 22 | 4.8% | 14.1% |
| 6 | Bank of America, National Association 59 out of 100, Moderate | 17 | 3.7% | 44.7% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 3.5% | — |
| 8 | GUILD MORTGAGE COMPANY | 10 | 2.2% | — |
| 9 | SPRING EQ, LLC | 9 | 2.0% | — |
| 10 | BMO Bank National Association 83 out of 100, Strong | 9 | 2.0% | 40.5% |
| 11 | ANB Bank 64 out of 100, Moderate | 9 | 2.0% | 17.9% |
| 12 | Morgan Stanley Private Bank, National Association 61 out of 100, Moderate | 8 | 1.7% | 4.9% |
| 13 | NEWREZ LLC | 7 | 1.5% | — |
| 14 | Rocket Mortgage, LLC | 7 | 1.5% | — |
| 15 | GUARANTEED RATE, INC. | 5 | 1.1% | — |
| 16 | THE MORTGAGE LINK, INC. | 5 | 1.1% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 5 | 1.1% | — |
| 18 | The Central Trust Bank 69 out of 100, Moderate | 5 | 1.1% | 10.4% |
| 19 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 5 | 1.1% | 30.7% |
| 20 | Mortgage Research Center, LLC | 4 | 0.9% | — |
| 21 | FIGURE LENDING LLC | 4 | 0.9% | — |
| 22 | REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 4 | 0.9% | — |
| 23 | Charles Schwab Bank, SSB 81 out of 100, Strong | 4 | 0.9% | 5.2% |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.7% | 32.9% |
| 25 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.7% | 32.5% |
| 26 | A&D Mortgage LLC | 3 | 0.7% | — |
| 27 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.7% | — |
| 28 | BELLCO CREDIT UNION 55 out of 100, Moderate | 3 | 0.7% | 45.0% |
| 29 | CANVAS CREDIT UNION 56 out of 100, Moderate | 3 | 0.7% | 17.3% |
| 30 | Bank of Colorado 74 out of 100, Strong | 3 | 0.7% | 12.4% |
| 31 | Citibank, National Association 60 out of 100, Moderate | 3 | 0.7% | 24.0% |
| 32 | Coastal Community Bank 35 out of 100, Low | 3 | 0.7% | 3.0% |
| 33 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.4% | 22.2% |
| 34 | Loandepot.Com, LLC | 2 | 0.4% | — |
| 35 | Discover Bank | 2 | 0.4% | — |
| 36 | Logan Finance Corporation | 2 | 0.4% | — |
| 37 | Timberline Bank | 2 | 0.4% | — |
| 38 | BNY Mellon, National Association 57 out of 100, Moderate | 2 | 0.4% | 7.0% |
| 39 | COLORADO CREDIT UNION 65 out of 100, Moderate | 2 | 0.4% | 23.5% |
| 40 | ARC HOME LLC | 2 | 0.4% | — |
Top 40 of 116 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Colorado
- El Paso County 40,529 apps
- Arapahoe County 29,851 apps
- Jefferson County 28,409 apps
- Adams County 27,875 apps
- Denver County 27,105 apps
- Douglas County 23,880 apps
- Weld County 21,307 apps
- Larimer County 17,770 apps
- Boulder County 11,982 apps
- Mesa County 9,196 apps
- Pueblo County 8,319 apps
- Garfield County 3,352 apps