Applications / Mortgage Analytics / Lenders / Colorado / FirstBank
Lakewood, CO · State member bank · FRS · $26.5 billion assets · 3,315 loans in 2025
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3,315
loans originated, 2025
5,379
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FirstBank is a Colorado bank that lends in larger amounts than similar banks and ranks seventh in Denver, though its loan count stays well below its 2020-2022 levels.
Loans fell 3% to 3,315 while similar lenders (state member banks making between half and twice as many loans) typically rose 1% and the whole market 10%. Loans dropped from 7,570 in 2022 to 3,430 in 2023 and have stayed near that level since. Its $1.49 billion lent was still higher than about seven in ten peers.
Jumbo loans (larger than the conforming limit) were 17.1% of its lending against 4.5% at peers, higher than more than nine in ten of them. Its typical loan was $255,000 against $215,000, and 99.9% of its loans were conventional.
It ranks 7 of 754 in Denver-Aurora-Centennial, where it has lent since before 1990, with 1.9% of the market against 2.0% a year earlier. Its Boulder share fell 1.2 points to 2.6%, and its Fort Collins-Loveland share eased 0.1 points to 2.3%. Gains by competitors such as Elevations Credit Union, second in Boulder, could be one reason.
Low- and moderate-income (LMI) borrowers took 27.5% of its loans against 24.6% at peers. Its LMI-tract share, 14.8%, is near the middle but down from 18.7%, and majority-minority tracts took 11.8% against 14.2%, which could reflect its Colorado footprint or its larger loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FirstBank took 5,379 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.8% · Refinance 24.6% · Home improvement 24.5% · Other 12.1%
Conventional 99.9% · FHA 0.1% · of 3,315 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 | 3,041 | 91.7% |
| Arizona | 252 | 7.6% |
| California | 22 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 1,718 |
| Fort Collins-Loveland | 253 |
| Phoenix-Mesa-Chandler | 246 |
| Boulder | 197 |
| Greeley | 185 |
| Colorado Springs | 138 |
| Riverside-San Bernardino-Ontario | 21 |
| Grand Junction | 5 |
| Lake Havasu City-Kingman | 2 |
| Pueblo | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009V3WNJX9V2GZ85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 288853 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318714 | 1998–2009 |
| Respondent ID (the HMDA filer code before 2018) | 2288853 | 2010–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9288853 | 2011–2017 |
Established 27 February 1963. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: FirstBank's data.
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