Applications / Mortgage Analytics / Lenders / Colorado / High Plains Bank
Flagler, CO · State member bank · FRS · $441 million assets · 29 loans in 2025
High Plains Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
High Plains Bank, a small bank from Flagler, Colorado, makes a couple of dozen mortgages a year, and refinances, not purchases, lead its lending.
It made 29 loans in 2025, against 28 a year before, a rise of 4%, while the typical similar lender, meaning state member banks making between half and twice as many loans, fell by 4%. It filed no report for 2020 to 2022, so the record has a gap there. With so few loans, its shares of borrower groups and neighborhoods are too small to read much into.
Refinances made up 48.3% of its loans, purchases 37.9% and home improvement 13.8%. All of them were conventional loans without a government guarantee. A bank with this mix is serving existing homeowners as much as buyers.
All its loans were in Colorado, spread over four metros and ten counties. It has lent in the Denver area since 2003 and in Boulder since 2012, markets that United Wholesale Mortgage leads. Its dollar total rose from $9.7 million to $16.8 million while its loan count barely moved, so its dollar share of those markets is best read with caution.
It took its current name in 2003, when The First National Bank of Flagler became High Plains Bank and changed its charter. That is also the year it first reported mortgage lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. High Plains Bank took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.3% · Purchase 37.9% · Home improvement 13.8%
Conventional 100.0% · of 29 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 | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 6 |
| Fort Collins-Loveland | 5 |
| Boulder | 4 |
| Denver-Aurora-Centennial | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U72NFUEEEZB183 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 247551 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2247551 | 2003–2017 |
Established 1 January 1908. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: High Plains Bank's data.
High Plains Bank's data
$215
High Plains 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.
Buy High Plains Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]