Applications / Mortgage Analytics / Lenders / Colorado / Wray State Bank
Wray, CO · State non-member bank · FDIC · $309 million assets · 65 loans in 2025
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65
loans originated, 2025
67
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wray State Bank is a one-county Colorado lender whose loan count has fallen two years running, from 85 in 2023 to 65 in 2025, while similar lenders and the whole market grew.
Originations fell 10% to 65, while the typical similar lender (state non-member banks making between half and twice as many loans) rose 9% and the whole market rose 10%. Dollar volume still rose, to $13.5 million from $12.4 million.
None of its borrowers were counted as LMI (low- and moderate-income), against 27.3% for similar lenders, and the same was true in 2024. Possible reasons include loans where the borrower's income was not reported, or borrowers whose incomes sit above the area threshold.
A quarter of its loans, 25.0%, were in LMI tracts and the same share in majority-minority tracts, up from none in 2024 and higher than about three-quarters of similar lenders on the second measure. In one county, a few borrowers or a reclassified tract can move these shares.
Manufactured homes were 20.0% of its loans, against 2.6% for the typical similar lender, higher than about nine in ten. Its typical loan was $145,000 against $175,000 for peers, which manufactured homes may help explain.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Wray State Bank took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.2% · Purchase 33.8% · Home improvement 13.8% · Other 6.2%
Conventional 100.0% · of 65 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 4 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PNITGJVDJVZ876 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 541754 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322447 | 2012–2017 |
Established 11 April 1977. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Wray State Bank's data.
Wray State Bank's data
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Wray State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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