Applications / Mortgage Analytics / Lenders / Colorado / NBH Bank
Greenwood Village, CO · State member bank · FRS · $9.8 billion assets · 1,448 loans in 2025
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1,448
loans originated, 2025
2,214
applications, 2025
32
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NBH Bank is a Colorado bank whose FHA and VA lending sets it apart from similar lenders, and it ranks fifth in non-metro Wyoming.
FHA loans (insured by the Federal Housing Administration) were 13.3% of its originations, against 1.7% at similar lenders (state member banks making between half and twice as many loans). VA loans (guaranteed by the Department of Veterans Affairs) were 10.3%, the highest share among its peers, against 0.4%. Conventional loans were 75.7%, against 97.3%.
Home purchases were 71.8% of its loans. Its typical loan was $255,000, against $190,000 at peers, and jumbo loans (larger than the conforming limit) were 8.1%, higher than about nine in ten peers (2.4%). Its typical rate, 6.68%, was lower than the peers' 6.88%, and its home-purchase denial rate was 4.6%, against 7.3%.
It ranked 5 of 314 lenders in non-metro Wyoming and 28 of 626 in non-metro Colorado. In Denver-Aurora-Centennial its share rose 0.1 points to 0.2%; it ranked 20 of 487 in Colorado Springs, where it has lent since before 1990.
Originations rose 2% to 1,448, against 10% at similar lenders and for the whole market. LMI (low- and moderate-income) borrowers took 30.6% of its loans, higher than about two-thirds of peers (26.5%).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NBH Bank took 2,214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 16.4% · Home improvement 8.0% · Other 3.9%
Conventional 75.7% · FHA 13.3% · VA 10.3% · USDA (RHS or FSA) 0.8% · of 1,448 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 | 489 | 33.8% |
| Kansas | 423 | 29.2% |
| Missouri | 254 | 17.5% |
| Wyoming | 84 | 5.8% |
| Texas | 51 | 3.5% |
| Utah | 35 | 2.4% |
| Idaho | 25 | 1.7% |
| New Mexico | 19 | 1.3% |
| Florida | 17 | 1.2% |
| Arizona | 6 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 226 |
| Colorado Springs | 199 |
| Topeka | 138 |
| Denver-Aurora-Centennial | 108 |
| Lawrence | 43 |
| Greeley | 31 |
| St. Joseph | 25 |
| Dallas-Plano-Irving | 23 |
| Fort Collins-Loveland | 13 |
| Pueblo | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T7AIY7RU1YDP31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4210227 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124994 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 24210227 | 2016–2017 |
Established 10 December 2010. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: NBH Bank's data.
NBH Bank's data
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