Applications / Mortgage Analytics / Lenders / Colorado / Timberline Bank
Grand Junction, CO · State non-member bank · FDIC · $819 million assets · 56 loans in 2025
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56
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Timberline Bank, based in Grand Junction, Colorado, more than doubled its mortgage lending in 2025 and makes far bigger loans than similar banks.
It made 56 loans in 2025, up 167% from 21. Similar lenders (state non-member banks making between half and twice as many loans) grew 7%, and almost none grew faster. The base was small, and it made 32 loans in 2023, so part of the rise may be a return from a weak year. It filed no report for 2018 to 2022; those years are a gap in the record, not years without lending.
Purchases made up 60.7% of its loans. The typical loan was $350,000, against $165,000 at similar lenders, and 28.9% were jumbo (larger than the conforming limit), against 1.7%. That jumbo share is higher than at almost all its peers. It lent $48.1 million in all, against $16.9 million at the typical peer.
In Grand Junction, where it has lent since 2006, its share rose to 0.9% from 0.3%, taking it to 26 of 268 lenders. Ark-La-Tex Financial Services led the market. In rural Colorado it ranked 56 of 626.
Only 5.6% of its loans went to low- and moderate-income (LMI) borrowers, against 27.1% at similar lenders, lower than more than nine in ten of them. One possible reason is its loan size: a lender whose typical loan is twice its peers' may serve borrowers with higher incomes.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Timberline Bank took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.7% · Refinance 35.7% · Home improvement 1.8% · Other 1.8%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Grand Junction | 19 |
| Denver-Aurora-Centennial | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900I67KZHMHRJRD62 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3271986 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357857 | 2006–2016 |
Established 25 October 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Timberline Bank's data.
Timberline Bank's data
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