Applications / Mortgage Analytics / Lenders / Colorado / Harmony Home Lending
Fort Collins, CO · Independent non-bank lender · CFPB · 97 loans in 2025
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97
loans originated, 2025
125
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harmony Home Lending is a small Colorado lender to homebuyers that works in just two places, Fort Collins and Greeley.
Purchases made up 99.0% of its 97 loans in 2025, all of them conventional. It first reported in 2023. Its typical loan was $405,000, against $295,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), larger than about three in four of them.
It made 154 loans in 2023, 115 in 2024 and 97 in 2025, a fall of 16% last year while similar lenders slipped 2%. In Fort Collins-Loveland, where it ranks 35 of 408 lenders, its share fell from 0.9% to 0.7%, about what its own smaller volume could explain. At this size a few loans more or less move the figures a lot.
Some 34.0% of its loans were in low- and moderate-income neighborhoods, against 18.2% at similar lenders, more than about four in five of them. None were in majority-minority neighborhoods, against 25.4% at similar lenders. One possible reason is its small footprint: it lends in only two counties. Its typical rate, 5.75%, was lower than at nearly all similar lenders, and none of its loans were higher-priced.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Harmony Home Lending took 125 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.0% · Refinance 1.0%
Conventional 100.0% · of 97 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 | 97 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Collins-Loveland | 66 |
| Greeley | 31 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OXACCQ40L83673 | 2023–2025 |
Established 5 January 2021. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Harmony Home Lending's data.
Harmony Home Lending's data
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Harmony Home Lending 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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