Applications / Mortgage Analytics / Lenders / Colorado / Mountain Valley Bank
Walden, CO · State member bank · FRS · $562 million assets · 53 loans in 2025
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53
loans originated, 2025
75
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mountain Valley Bank, a Colorado bank whose main market is the state's rural counties, made 53 home loans in 2025, 27% fewer than a year before, as similar lenders grew.
Its loans fell 27% in 2025, while similar lenders, state member banks making between half and twice as many loans, grew 7% and the whole market 10%. About nine in ten of those peers had faster growth. It first reported in 2022, with 105 loans, and has made fewer each year since. The figures do not say why; weaker demand in its rural markets, or a choice to lend less, could explain it.
Its typical loan was $245,000, against $185,000 at similar lenders, larger than at about two-thirds of them. That is why its total, $18.8 million, matched the peer middle although it made fewer loans than most. Purchases and refinances were close to even, at 47.2% and 45.3%.
Its biggest market is non-metro Colorado, where it ranks 96 of 626 lenders and United Wholesale Mortgage leads. It lends in 16 counties across three states. In Fort Collins-Loveland its share slipped from 0.2% to almost nothing, a change of a few loans for a lender this size.
Of its loans, 94.3% were conventional; the rest were a few loans guaranteed by the Department of Veterans Affairs or the Department of Agriculture's Rural Housing Service. With 53 loans in all, its other shares rest on too few loans to read much into.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Mountain Valley Bank took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.2% · Refinance 45.3% · Other 7.5%
Conventional 94.3% · USDA (RHS or FSA) 3.8% · VA 1.9% · of 53 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 | 49 | 92.5% |
| Wyoming | 3 | 5.7% |
| Texas | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 5 |
| Boulder | 1 |
| Dallas-Plano-Irving | 1 |
| Fort Collins-Loveland | 1 |
| Grand Junction | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003ZCL0UPU6NWT09 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 475653 | 2022–2023 |
Established 21 February 1955. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Mountain Valley Bank's data.
Mountain Valley Bank's data
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Mountain Valley Bank 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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