Mostly refinancing
Peak Financial made 38 loans in 2025, and 78.9% of them were refinances. It lends in three states, mainly Colorado, but its share of every market it serves is close to nothing.
Applications / Mortgage Analytics / Lenders / Colorado / Peak Financial
Peak Financial
Denver, CO · Non-bank or government lender · CFPB · 38 loans in 2025
Peak Financial's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
38
loans originated, 2025
64
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peak Financial is a small Colorado lender that mostly refinances existing homeowners and relies on government-backed loans more than almost any similar lender.
Government-backed where peers are not
More than half its loans, 52.6%, were insured by the Federal Housing Administration (FHA). Similar lenders, meaning non-bank or government lenders making between half and twice as many loans, typically made only conventional loans. The difference makes it an unusual member of its peer group, and its comparisons with them should be read with that in mind.
Many lower-income borrowers
Some 56.8% of its borrowers had low or moderate incomes, against 27.3% at peers. With only 38 loans, a handful of borrowers either way would move that share a good deal. Its typical rate, 6.25%, was below the peers' 6.81%.
Small and steady
Its loans rose 9%, from 35 to 38, while the whole market grew 10%. It made 57 loans in 2018, its first year of reporting, and 66 in 2019, so it is smaller now than it was then.
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
38 loans in 2025, against a peak of 66 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peak Financial took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
78.9% of its 2025 loans were refinance loans; 52.6% were FHA loans.
Refinance 78.9% · Purchase 21.1%
FHA 52.6% · Conventional 39.5% · VA 7.9% · of 38 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
3 states, 8 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Colorado | 29 | 76.3% |
| Wyoming | 7 | 18.4% |
| Kansas | 2 | 5.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 16 |
| Cheyenne | 3 |
| Greeley | 2 |
| Pueblo | 2 |
| Colorado Springs | 1 |
| Fort Collins-Loveland | 1 |
| Grand Junction | 1 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900A6XS8JBOVU9C33 | 2018–2025 |
Established date not on record. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Peak Financial's data.
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