Applications / Mortgage Analytics / Lenders / Colorado / ANB Bank
Denver, CO · State member bank · FRS · $3.0 billion assets · 444 loans in 2025
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444
loans originated, 2025
691
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ANB Bank, based in Denver, is above all a manufactured-home lender: such homes made up 39.4% of its loans, against 1.4% at similar banks.
No similar lender (a state member bank making between half and twice as many loans) had a higher share of manufactured homes. That may help explain its typical loan of $105,000, against $190,000 at peers, smaller than at nearly all of them. All its loans were conventional.
Low- and moderate-income (LMI) borrowers took 49.5% of its loans and LMI neighborhoods 32.4%, against 28.0% and 16.9% at peers. Both shares were higher than at nearly all similar lenders, and both rose from 2024. Smaller manufactured-home loans are one possible reason.
It turned down 18.8% of home-purchase applications, against 7.1% at peers. Its manufactured-home lending, nearly two-fifths of its loans where peers make almost none, could account for most of that difference. Its higher-priced share (a rate well above the average for similar loans) was 2.3%, close to peers' 2.4%.
Its loans fell 13% to 444 while peers grew 7%, though its yearly total has stayed between 437 and 549 since 2018. It ranks 24 of 626 lenders in non-metro Colorado, and its share of Denver-Aurora-Centennial rose 0.1 points to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ANB Bank took 691 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.6% · Refinance 18.0% · Home improvement 10.1% · Other 9.2%
Conventional 100.0% · of 444 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 | 312 | 70.3% |
| Wyoming | 127 | 28.6% |
| Montana | 2 | 0.5% |
| South Dakota | 2 | 0.5% |
| Nebraska | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 74 |
| Cheyenne | 48 |
| Grand Junction | 39 |
| Colorado Springs | 32 |
| Boulder | 26 |
| Fort Collins-Loveland | 18 |
| Casper | 13 |
| Greeley | 8 |
| Billings | 2 |
| Rapid City | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UHQ3UXVA4AGM53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828651 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115383 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2828651 | 2011–2017 |
Established 1 September 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ANB Bank's data.
ANB Bank's data
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