Applications / Mortgage Analytics / Lenders / Colorado / Equitable Savings and Loan Association
Sterling, CO · Savings institution · FDIC · $170 million assets · 87 loans in 2025
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87
loans originated, 2025
127
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Equitable Savings and Loan Association, a rural Colorado savings institution, makes smaller loans than its peers and lends more to low- and moderate-income (LMI) borrowers.
It made 87 loans in 2025, 24% fewer than in 2024, while similar lenders (savings institutions making between half and twice as many loans) grew 5%. Its count has fallen almost every year since 358 in 2020. The peak may have come from refinancing that has since slowed, or the bank may have chosen to lend less; the data do not show which.
Its typical loan was $155,000, against $245,000 at similar lenders, smaller than about four in five of them. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) made up 5.7% and FHA loans (insured by the Federal Housing Administration) 2.3%. The typical peer made neither.
LMI borrowers took 40.2% of its loans, against 24.7% at peers, more than at about four in five similar lenders. LMI areas took 25.3%, against 17.4%. Its lending runs from purchases and refinances to home improvement and other purposes.
Its largest market is non-metro Colorado, where it ranked 110 of 626 lenders. It also lends in non-metro Nebraska and the Denver and Fort Collins areas, each with a very small share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Equitable Savings and Loan Association took 127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.2% · Refinance 33.3% · Other 16.1% · Home improvement 10.3%
Conventional 92.0% · USDA (RHS or FSA) 5.7% · FHA 2.3% · of 87 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 | 80 | 92.0% |
| Nebraska | 6 | 6.9% |
| Kansas | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 3 |
| Fort Collins-Loveland | 3 |
| Greeley | 2 |
| Boulder | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KLGM1W030VUP23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 206473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45778 | 1998–2010 |
| Respondent ID (the HMDA filer code before 2018) | 330707 | 2011–2017 |
Established 1 January 1921. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Equitable Savings and Loan Association's data.
Equitable Savings and Loan Association's data
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Equitable Savings and Loan Association 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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