Applications / Mortgage Analytics / Lenders / Colorado / Loan Simple
Englewood, CO · Independent non-bank lender · CFPB · 1,876 loans in 2025
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1,876
loans originated, 2025
2,907
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Loan Simple, a Colorado lender that has turned itself into a specialist in government-insured home-purchase loans, grew 62% in 2025, faster than about nine in ten similar lenders.
Loans insured by the Federal Housing Administration (FHA) made up 71.4% of Loan Simple's lending, against 22.1% at similar lenders (independent lenders making between half and twice as many loans). Few peers had a higher share. In 2020 the picture was reversed: 81.5% of its loans were conventional and only 12.8% FHA. Home purchases now account for 88.6% of its loans.
Its loans rose to 1,876 from 1,158, while peers grew 9% and the whole market 10%. That followed two flat years, 2023 and 2024. It is still below the 3,964 loans it made in 2021.
Low- and moderate-income (LMI) neighborhoods took 36.1% of its loans, against 19.1% for peers, higher than almost all of them. LMI borrowers took 40.2%, against 28.2%. A lender built on FHA loans, which suit buyers with small down payments, may naturally reach more of these borrowers.
Some 14.2% of its loans were higher-priced (a rate well above the average for similar loans), against 2.2% for peers. The FHA mix may account for most of that, since FHA insurance adds to a loan's cost, and manufactured homes, 5.5% of its loans, add more. Its typical rate, 6.62%, matched peers'. In Denver, its largest market, its share rose to 0.5% from 0.4%; it gained ground in Greeley too.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Loan Simple took 2,907 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.6% · Refinance 11.4%
FHA 71.4% · Conventional 24.5% · USDA (RHS or FSA) 3.8% · VA 0.3% · of 1,876 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 | 911 | 48.6% |
| Texas | 159 | 8.5% |
| North Carolina | 128 | 6.8% |
| Florida | 100 | 5.3% |
| Georgia | 77 | 4.1% |
| Virginia | 69 | 3.7% |
| Oregon | 52 | 2.8% |
| South Carolina | 52 | 2.8% |
| Alabama | 45 | 2.4% |
| Arizona | 41 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 544 |
| Greeley | 117 |
| Colorado Springs | 76 |
| Pueblo | 50 |
| Atlanta-Sandy Springs-Roswell | 36 |
| Houston-Pasadena-The Woodlands | 34 |
| Phoenix-Mesa-Chandler | 30 |
| Dallas-Plano-Irving | 29 |
| Fort Collins-Loveland | 27 |
| Charlotte-Concord-Gastonia | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300748YYU6VG08N83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877415 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7841412422 |
Established 9 April 1997. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Loan Simple's data.
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Loan Simple 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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