Applications / Mortgage Analytics / Lenders / Colorado / Nest Home Lending
Lafayette, CO · Non-bank or government lender · CFPB · 865 loans in 2025
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865
loans originated, 2025
1,037
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nest Home Lending, a Colorado lender that finances home purchases with mostly government-backed loans, grew 19% in 2025, faster than about two-thirds of similar lenders.
Home purchases were 99.0% of its loans. Loans insured by the Federal Housing Administration (FHA) made up 44.3%, up from 16.9% in 2020, and loans guaranteed by the Department of Veterans Affairs (VA) 12.4%. Conventional loans fell to 43.2%. Similar lenders (lenders of the same type making between half and twice as many loans) lean far more on conventional loans.
It made 865 loans in 2025, up from 728, while similar lenders grew 11% and the whole market 10%. Its peak was 1,902 loans in 2020; it fell to 544 in 2023 before recovering.
In Colorado Springs it ranked 27 of 487 lenders, with its share up from 0.6% to 0.8%; United Wholesale Mortgage led. In Fort Collins-Loveland its share rose from 0.1% to 0.4%. It also ranked 26 of 319 in Provo-Orem-Lehi in Utah, at 0.7%.
Its typical rate was 5.25%, against 7.38% at similar lenders, the lowest in the group, and none of its loans was higher-priced (a rate well above the average for similar loans). A purchase-only, largely government-backed book may account for some of that. Why its rate sits so far below every peer is a question the figures alone cannot answer.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nest Home Lending took 1,037 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.0% · Refinance 1.0%
FHA 44.3% · Conventional 43.2% · VA 12.4% · USDA (RHS or FSA) 0.1% · of 865 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 | 613 | 70.9% |
| Utah | 177 | 20.5% |
| Arizona | 75 | 8.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 327 |
| Colorado Springs | 188 |
| Provo-Orem-Lehi | 141 |
| Phoenix-Mesa-Chandler | 75 |
| Greeley | 53 |
| Fort Collins-Loveland | 41 |
| Salt Lake City-Murray | 29 |
| Ogden | 7 |
| Boulder | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002OVIWOKVJME308 | 2019–2025 |
Established 2 November 2016. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Nest Home Lending's data.
Nest Home Lending's data
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Nest 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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