Applications / Mortgage Analytics / Lenders / Colorado / Midwest Mortgage Associates
Colorado Springs, CO · Independent non-bank lender · CFPB · 463 loans in 2025
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463
loans originated, 2025
891
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Midwest Mortgage Associates, based in Colorado Springs but lending mostly in Missouri, is a home-purchase lender to modest-income buyers whose loans fell by two-fifths in 2025.
Purchases made up 90.3% of its loans. Only 43.4% were conventional, against 71.4% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration (FHA) made up 38.7%, those guaranteed by the Department of Veterans Affairs (VA) 12.1% and those guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 5.8%.
Borrowers with low or moderate incomes took 39.0% of its loans, against 24.1% at the typical similar lender, more than at four in five of them. Its typical loan was $225,000, against $335,000. Just 2.2% of its home-purchase applications were denied, against 2.9% at peers.
Its loans fell 40%, from 776 to 463, while the whole market grew 10%; more than nine in ten similar lenders grew faster or shrank less. That reversed two years of growth from 487 in 2022. Its shares fell with it: in Columbia, MO, from 1.1% to 0.4%, and in Joplin, KS-MO, from 1.3% to 0.6%. It may have pulled back in its home markets as it first lent in North Carolina, Virginia and Florida, or lost buyers to rivals; the figures do not say which.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Midwest Mortgage Associates took 891 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.3% · Refinance 9.5% · Home improvement 0.2%
Conventional 43.4% · FHA 38.7% · VA 12.1% · USDA (RHS or FSA) 5.8% · of 463 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 |
|---|---|---|
| Missouri | 255 | 55.1% |
| Florida | 63 | 13.6% |
| Texas | 48 | 10.4% |
| Kansas | 27 | 5.8% |
| Colorado | 19 | 4.1% |
| Arkansas | 18 | 3.9% |
| Oklahoma | 11 | 2.4% |
| Georgia | 10 | 2.2% |
| North Carolina | 9 | 1.9% |
| Indiana | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 44 |
| Joplin | 28 |
| Dallas-Plano-Irving | 25 |
| Columbia | 24 |
| Jefferson City | 20 |
| Pueblo | 17 |
| Tampa | 17 |
| Cape Coral-Fort Myers | 15 |
| Springfield | 14 |
| Orlando-Kissimmee-Sanford | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NFA0VY9215VV25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5019913 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7462077362 |
Established 20 February 2013. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Midwest Mortgage Associates's data.
Midwest Mortgage Associates's data
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Midwest Mortgage Associates 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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