Applications / Mortgage Analytics / Lenders / Colorado / FMS Bank
Fort Morgan, CO · State member bank · FRS · $339 million assets · 46 loans in 2025
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46
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FMS Bank, a Colorado bank whose largest market is Greeley, makes few loans but larger ones than most banks its size, mostly to buy homes.
Its typical loan was $420,000, against $185,000 at similar lenders, meaning state member banks making between half and twice as many loans. That was higher than at more than three-quarters of them. Purchases made up 69.6% of its loans, and every loan was conventional.
It made 46 loans, the same as in 2024, while similar lenders grew 6% and the whole market 10%. With so few loans, a handful either way decides the year, so the flat result says little on its own.
Low- and moderate-income borrowers took 33.3% of its loans, up from 21.1% in 2024 and higher than at about four in five similar lenders, where the share was 24.0%. Majority-minority neighborhoods took 17.4%, against 7.3% at similar lenders.
Greeley is its largest market, where it has reported since 2012. It also lends across non-metro Colorado and made its first loans in non-metro Wyoming in 2025. United Wholesale Mortgage leads both of its largest markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FMS Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.6% · Refinance 28.3% · Home improvement 2.2%
Conventional 100.0% · of 46 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 | 45 | 97.8% |
| Wyoming | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 21 |
| Fort Collins-Loveland | 3 |
| Denver-Aurora-Centennial | 2 |
| Grand Junction | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G4VO4E5SNMQB32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 257756 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323764 | 2012–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2257756 | 2016–2017 |
Established 12 April 1982. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: FMS Bank's data.
FMS Bank's data
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