Independent research · Colorado

Colorado Mortgage & Lending Intelligence

A source-backed view of Colorado mortgage-market activity, DRE Mortgage Loan Originator licensing, NMLS company-registration verification, CFPB mortgage complaints, and CHFA homebuyer resources. This is not a ranking, recommendation, or Trust Score. Colorado does not have one simple “lender license” universe in this snapshot.

No Colorado county routes and no Denver page are published from this statewide page. MLO person rows are not a lender directory.

260,212

Universe · HMDA applications

2025 HMDA applications for properties located in Colorado. Not a count of Colorado lenders or MLO people.

156,145

Current · HMDA originations

2025 HMDA originations, property location Colorado.

8,627

Observations · CFPB Colorado mortgage complaint rows

Complaint is not a violation. Not a company ranking.

Geography · Counties in HMDA geography

All 64 Colorado counties in this HMDA extract. County is property location, not a ranking.

2025

As-of · HMDA vintage

HMDA reporting vintage.

Market findings

2025 HMDA recorded 260,212 applications, 156,145 originations, and 40,435 denials for properties located in Colorado (15.54% denial rate). That is not a lender count.
DRE lists 21,865 Mortgage Loan Originator license rows (21,584 Active, 281 Inactive). MLO person is not a lender company. These rows are not a public person directory.
The current Colorado mortgage-company registration bulk roster is SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY. Missing is not zero. Search-only is not zero.
CFPB recorded 8,627 Colorado mortgage complaint rows. A complaint is not a violation and is not a DRE complaint.
CHFA homebuyer resources are program participation, not licensure and not an endorsement.

2025 Colorado mortgage market

HMDA is a mortgage-application filing extract for properties located in Colorado. It is not a Colorado mortgage-company registration roster, not an MLO license count, and the denial rate does not prove discrimination. An HMDA reporter is not a Colorado state-licensed mortgage company. Application != lender. Origination != lender. County-grain HMDA is not added to a second state-grain total on this page.

260,212

Applications

HMDA 2025, properties in Colorado.

156,145

Originations

40,435

Denials

15.54%

Denial rate

Denials ÷ applications in this extract. Not quality and not a discrimination finding.

Trace this number

Source: Committed HMDA Colorado partition data/hmda/by-state/CO/county_market_summary.csv. Properties located in Colorado. Not a second national download.
Source date: HMDA 2025
Denominator: 260,212 applications
Calculation: denials / applications * 100, rounded to 2 decimals
Reporting grain: State overlay from 64 county rows
Coverage: ACQUIRED_CURRENT_SNAPSHOT
Caveat: HMDA is a mortgage-application filing extract for properties located in Colorado. It is not a Colorado mortgage-company registration roster, not an MLO license count, and the denial rate does not prove discrimination. An HMDA reporter is not a Colorado state-licensed mortgage company. Application != lender. Origination != lender. County-grain HMDA is not added to a second state-grain total on this page.

Loan purpose (applications)

Purchase applications116,589

Refinance applications88,970

Other purpose applications54,653

Loan type (applications)

Conventional (77.67%)202,101

FHA (12.37%)32,187

VA (9.84%)25,595

USDA / other (0.13%)329

977 HMDA LEI reporters appear in the Colorado state summary. 0 have an exact LEI→NMLS map. An HMDA reporter is not a Colorado licensee. LEI is not NMLS.

2025 HMDA activity for Colorado counties in this extract. Denial rate is not a quality ranking. County names are not links. No Denver or county intelligence routes.
County	Applications	Originations	Denials	Denial rate
Adams	24,421	13,838	4,786	19.60%
Alamosa	322	166	71	22.05%
Arapahoe	26,705	15,677	4,490	16.81%
Archuleta	897	513	130	14.49%
Baca	52	21	16	30.77%
Bent	97	56	11	11.34%
Boulder	10,850	6,821	1,317	12.14%
Broomfield	2,770	1,743	346	12.49%
Chaffee	1,091	704	144	13.20%
Cheyenne	58	28	13	22.41%
Clear Creek	541	309	96	17.74%
Conejos	122	56	32	26.23%

Colorado Mortgage Loan Originator licenses

MLO rows are people, not lenders, not branches, and not additional national lender entities. They are not published as a person directory and are not claimable profiles. The license number is a Colorado DRE credential, not automatically an NMLS Individual ID. Absence from this roster does not mean a person is unauthorized: federally registered depository MLOs may be outside the state-licensed roster. State-license absence != unlicensed. casenumber is not proof of final discipline. Employer/entity strings are not used to mint companies.

21,865

MLO license rows

Person-grain. Not lenders.

21,584

Active

281

Inactive

Identity is CO-DORA:MLO:{licenseNumber}. NMLS Individual ID is NOT_SOURCE_NATIVE. MLO != mortgage company. State-license absence != unlicensed. Employer/entity strings are not used to mint companies.

Trace this number

Source: Colorado Information Marketplace dataset 4zse-6bnw Licensed Real Estate Professionals in Colorado, filtered licenseprefix=MLO
Source date: 2026-09-09
Denominator: 21,865 DRE MLO rows
Calculation: 21,584 Active + 281 Inactive. 21,859 distinct license numbers.
Reporting grain: person license row
Coverage: ACQUIRED_CURRENT_SNAPSHOT
Caveat: MLO rows are people, not lenders, not branches, and not additional national lender entities. They are not published as a person directory and are not claimable profiles. The license number is a Colorado DRE credential, not automatically an NMLS Individual ID. Absence from this roster does not mean a person is unauthorized: federally registered depository MLOs may be outside the state-licensed roster. State-license absence != unlicensed. casenumber is not proof of final discipline. Employer/entity strings are not used to mint companies.

Colorado mortgage-company registration

Colorado mortgage companies register through NMLS subject to exemptions. No current public bulk company-registration roster was acquired. Search-only is not zero. Missing is not zero. Do not invent a Colorado lender census. NMLS Company ID is the expected public company identifier when a live search returns one. Do not build companies from MLO names or employer strings.

Live licensed-company denominator: UNKNOWN. Verify through NMLS Consumer Access. Search-only is not zero.

DRE enforcement and complaints

Case != violation. Investigation != discipline. Complaint != enforcement. Allegation != finding. A DRE casenumber is not automatically a final adverse order. Name-only adverse attachment is UNSAFE.

The public DRE complaint process is not a complaint dataset. No bulk complaints acquired != 0 complaints. No attached complaint != clean history. Complaint != violation. Complaint != final action. CFPB mortgage complaints are a separate federal overlay and are not merged into DRE complaints.

Name-only identity is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. CFPB recorded 8,627 Colorado mortgage complaint rows. CFPB complaint != DRE complaint. Complaint != violation.

CHFA homebuyer resources

CHFA is not the mortgage licensing authority. Participation is not licensure, regulatory approval, a Trust rating, a quality rating, or an endorsement. CHFA states participating-lender search results do not constitute an endorsement or referral and do not guarantee service quality, outcomes, or results. No name-only attachment to canonical lenders.

Who regulates Colorado mortgage businesses?

The Colorado Division of Real Estate / Board of Mortgage Loan Originators licenses Mortgage Loan Originators as people. Mortgage companies register through NMLS subject to exemptions; DRE points company license histories to NMLS Consumer Access rather than a DRE bulk file. An HMDA reporter is not a Colorado mortgage-company registrant. An FDIC bank is not a Colorado mortgage-company registration. CHFA participation is not licensure.

How to verify a company or MLO

Companies verify through NMLS Consumer Access. Individual MLOs verify through DRE lookup or the CIM extract. This search was not scraped. MLO people are not published as a lender directory.

What this page does not mean

It does not say Colorado has one lender-license universe or a single lender count.
MLO person rows are not lenders, branches, or public claimable profiles.
Search-only / SOURCE_NOT_ACQUIRED company registration is unknown, not zero.
CFPB complaints are not violations. CHFA listings are not endorsements.
claimed != verified. No Trust Score.

Evidence depth

Colorado source catalog. Missing is unknown, not zero.
Family	Agency	Count	Identity	Limitation
HMDA	CFPB / FFIEC HMDA	260,212 applications / 64 counties	HMDA LEI for reporters; county FIPS for geography	HMDA is a mortgage-application filing extract for properties located in Colorado. It is not a Colorado mortgage-company registration roster, not an MLO license count, and the denial rate does not prove discrimination. An HMDA reporter is not a Colorado state-licensed mortgage company. Application != lender. Origination != lender. County-grain HMDA is not added to a second state-grain total on this page.
DRE MLO licenses	Colorado Division of Real Estate / Board of Mortgage Loan Originators	21,865 license rows · 21,584 Active	CO-DORA:MLO:{licenseNumber}	MLO rows are people, not lenders, not branches, and not additional national lender entities. They are not published as a person directory and are not claimable profiles. The license number is a Colorado DRE credential, not automatically an NMLS Individual ID. Absence from this roster does not mean a person is unauthorized: federally registered depository MLOs may be outside the state-licensed roster. State-license absence != unlicensed. casenumber is not proof of final discipline. Employer/entity strings are not used to mint companies.
Mortgage-company registration	Colorado DRE via NMLS	UNKNOWN / SOURCE_NOT_ACQUIRED	NMLS Company ID when a live search returns one	Colorado mortgage companies register through NMLS subject to exemptions. No current public bulk company-registration roster was acquired. Search-only is not zero. Missing is not zero. Do not invent a Colorado lender census. NMLS Company ID is the expected public company identifier when a live search returns one. Do not build companies from MLO names or employer strings.
DRE enforcement	Colorado Division of Real Estate / Board of Mortgage Loan Originators	UNKNOWN / OPEN_SEARCH_ONLY	Exact official ID or exact NMLS ID; name-only is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH	Case != violation. Investigation != discipline. Complaint != enforcement. Allegation != finding. A DRE casenumber is not automatically a final adverse order. Name-only adverse attachment is UNSAFE.
CFPB complaints	Consumer Financial Protection Bureau	8,627	Statewide overlay; not a company ranking	Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. CFPB complaint != Colorado DRE complaint. No company complaint rate is published against an HMDA denominator.
CHFA programs	Colorado Housing and Finance Authority	2	Official program name	CHFA is not the mortgage licensing authority. Participation is not licensure, regulatory approval, a Trust rating, a quality rating, or an endorsement. CHFA states participating-lender search results do not constitute an endorsement or referral and do not guarantee service quality, outcomes, or results. No name-only attachment to canonical lenders.
Depository overlay	FDIC (existing national overlay)	64	FDIC CERT	FDIC institution != Colorado mortgage-company registration. A bank may lend without being a state-registered mortgage company.

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