Applications / Mortgage Analytics / Lenders / Colorado / HomeAmerican Mortgage
Denver, CO · Non-bank affiliate of a holding company · CFPB · 5,353 loans in 2025
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5,353
loans originated, 2025
6,819
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeAmerican Mortgage lends only to home buyers, in large loans with a heavy government-backed share, and its business fell by more than a quarter in 2025 after a peak year in 2024.
Every one of its 5,353 loans financed a home purchase. Its typical loan was $485,000, against $305,000 at similar lenders (non-banks making between an eighth and eight times as many loans), higher than at more than nine in ten of them. It made no loans on manufactured homes.
Loans insured by the Federal Housing Administration (FHA) made up 33.2% of its lending, against 21.1% at similar lenders. Loans guaranteed by the Department of Veterans Affairs (VA) made up 18.0%, against 6.2%. Its typical rate, 4.50%, was lower than at almost all similar lenders, and none of its loans was higher-priced.
Its loans fell 27% in 2025, while similar lenders typically grew 10%. But 2024 was its busiest year since at least 2018, at 7,317 loans; the 2025 figure is close to its 5,430 of 2023 and 5,688 of 2020. The figures do not say whether the drop reflects demand in its markets or a choice of its own.
Its share fell in all five of its largest markets. In Las Vegas-Henderson-North Las Vegas it halved, from 1.8% to 0.9%; in Denver-Aurora-Centennial, where it has lent since 1990, it fell from 1.4% to 1.0%, leaving it 19th of 754 lenders. The smaller shares follow from its 27% fall in loans in a market that grew.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeAmerican Mortgage took 6,819 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 48.8% · FHA 33.2% · VA 18.0% · USDA (RHS or FSA) 0.0% · of 5,353 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 | 1,121 | 20.9% |
| Arizona | 971 | 18.1% |
| California | 865 | 16.2% |
| Florida | 614 | 11.5% |
| Nevada | 376 | 7.0% |
| Utah | 300 | 5.6% |
| Washington | 299 | 5.6% |
| Virginia | 210 | 3.9% |
| Idaho | 147 | 2.7% |
| Tennessee | 115 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 704 |
| Denver-Aurora-Centennial | 609 |
| Riverside-San Bernardino-Ontario | 368 |
| Las Vegas-Henderson-North Las Vegas | 363 |
| Tucson | 267 |
| Jacksonville | 259 |
| Sacramento-Roseville-Folsom | 207 |
| Colorado Springs | 180 |
| Greeley | 163 |
| Stockton-Lodi | 156 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001HHBUTXHS7TZ96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1587704 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7840927358 | |
| Respondent ID (the HMDA filer code before 2018) | 7546509997 | 1990–2014 |
Established 14 November 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: HomeAmerican Mortgage's data.
HomeAmerican Mortgage's data
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