Applications / Mortgage Analytics / Lenders / Colorado / Points West Community Bank
Windsor, CO · State non-member bank · FDIC · $834 million assets · 92 loans in 2025
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92
loans originated, 2025
124
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Points West Community Bank makes small loans, half of them refinances, across Nebraska and Colorado, and its volume has drifted down since 2022.
Its typical loan was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than nearly all of them. Refinances made up 51.1% of its loans, and home-improvement and other-purpose loans, usually small, 8.7% each. Every loan was conventional.
It made 92 loans in 2025, down from 95 in 2024 and 120 in 2022. Similar lenders grew 9% and the whole market 10%. The record does not show why.
Low- and moderate-income (LMI) borrowers took 33.3% of its loans, against 27.3% at peers, a higher share than more than two-thirds of them. But only 9.8% went to LMI neighborhoods, against 18.3%, lower than about four in five. Its markets may simply hold few such neighborhoods: it is based in Nebraska and lends widely outside its cities.
Its firmest standing is in non-metro Nebraska, where it ranks 94 of 341 lenders; Pinnacle Bank leads. It has lent there since 2001, when it first reported.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Points West Community Bank took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.1% · Purchase 31.5% · Home improvement 8.7% · Other 8.7%
Conventional 100.0% · of 92 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 |
|---|---|---|
| Nebraska | 50 | 54.3% |
| Colorado | 27 | 29.3% |
| Wyoming | 12 | 13.0% |
| South Dakota | 2 | 2.2% |
| Minnesota | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 10 |
| Denver-Aurora-Centennial | 6 |
| Fort Collins-Loveland | 6 |
| Casper | 1 |
| Grand Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009D7ZK3I86CJC09 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 444556 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18205 | 2001–2007 |
| Respondent ID (the HMDA filer code before 2018) | 33031 | 2008–2016 |
Established 1 January 1906. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Points West Community Bank's data.
Points West Community Bank's data
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Points West Community 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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