Mortgage Approval and Denial Rates in Colorado (2025 HMDA)
Mortgage denial rates in Colorado: lenders acted on 259,724 mortgage applications in Colorado in 2025 and denied 15.6% of them, down from 17.3% in 2024. The national denial rate was 17.7%.
Applications acted on
259,724
Loans originated
156,145
Denial rate
15.6%
Median loan
$325,000
Colorado against the national picture
Most-reported denial reason in Colorado: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Costilla County | 162 | 32.7% | $145,000 |
| Conejos County | 122 | 26.2% | $150,000 |
| Huerfano County | 323 | 24.8% | $175,000 |
| Kit Carson County | 221 | 23.5% | $145,000 |
| Alamosa County | 321 | 22.1% | $195,000 |
| Moffat County | 542 | 22.0% | $235,000 |
| Otero County | 554 | 21.3% | $125,000 |
| Washington County | 180 | 20.6% | $195,000 |
| Adams County | 24,382 | 19.6% | $335,000 |
| Lincoln County | 215 | 19.5% | $185,000 |
| Custer County | 320 | 18.8% | $255,000 |
| Saguache County | 225 | 18.7% | $185,000 |
| Garfield County | 3,062 | 18.6% | $295,000 |
| Ouray County | 305 | 18.4% | $425,000 |
| San Miguel County | 421 | 18.1% | $555,000 |
| Prowers County | 226 | 18.1% | $135,000 |
| Park County | 1,644 | 17.9% | $345,000 |
| Fremont County | 2,256 | 17.7% | $215,000 |
| Clear Creek County | 541 | 17.7% | $345,000 |
| Elbert County | 2,296 | 17.5% | $445,000 |
| Pueblo County | 7,685 | 17.4% | $205,000 |
| Morgan County | 1,113 | 17.3% | $255,000 |
| Weld County | 18,962 | 17.1% | $315,000 |
| Las Animas County | 438 | 17.1% | $165,000 |
| Phillips County | 152 | 17.1% | $155,000 |
| Montezuma County | 819 | 17.0% | $235,000 |
| Arapahoe County | 26,655 | 16.8% | $315,000 |
| Montrose County | 1,791 | 16.6% | $255,000 |
| Gilpin County | 416 | 16.6% | $330,000 |
| Rio Grande County | 380 | 16.6% | $225,000 |
| Teller County | 1,824 | 16.3% | $305,000 |
| Gunnison County | 850 | 16.0% | $385,000 |
| Summit County | 2,430 | 15.8% | $505,000 |
| Denver County | 24,315 | 15.7% | $355,000 |
| Rio Blanco County | 300 | 15.7% | $205,000 |
| Logan County | 681 | 15.6% | $175,000 |
| Yuma County | 181 | 15.5% | $165,000 |
| Eagle County | 2,555 | 15.4% | $505,000 |
| Grand County | 1,602 | 14.9% | $455,000 |
| Delta County | 1,408 | 14.5% | $215,000 |
| Archuleta County | 895 | 14.5% | $335,000 |
| El Paso County | 36,233 | 14.4% | $335,000 |
| Mesa County | 8,238 | 13.8% | $245,000 |
| Routt County | 1,247 | 13.7% | $475,000 |
| Jefferson County | 25,274 | 13.6% | $355,000 |
| Douglas County | 20,550 | 13.6% | $445,000 |
| Larimer County | 15,567 | 13.6% | $325,000 |
| La Plata County | 2,300 | 13.4% | $345,000 |
| Chaffee County | 1,088 | 13.2% | $395,000 |
| Pitkin County | 797 | 13.0% | $675,000 |
| Broomfield County | 2,764 | 12.5% | $405,000 |
| Boulder County | 10,821 | 12.2% | $395,000 |
| Lake County | 369 | 12.2% | $365,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.