Applications / Mortgage Analytics / Lenders / Colorado / Pivot Financial Partners
Littleton, CO · Independent non-bank lender · CFPB · 254 loans in 2025
Pivot Financial Partners's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
254
loans originated, 2025
306
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pivot Financial Partners, a Colorado lender to home buyers, grew its loans by 18% in 2025 while similar lenders stood still, though it makes about a tenth as many as it did in 2020.
It made 254 loans, up from 216. The typical similar lender, meaning independent non-bank lenders making between half and twice as many loans, was unchanged, and the whole market grew 10%. Its growth was faster than about three-quarters of them. It made 2,605 loans in 2020 and only 214 by 2023. That peak came when its typical rate was 3.00%, against 6.49% now, when refinancing may have been a far larger part of its business.
Home purchases made up 75.2% of its lending. Loans insured by the Federal Housing Administration (FHA) rose to 22.8%, from 14.8% a year earlier, against 17.3% at similar lenders. Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 2.4%; most peers made none.
It turned down 2.2% of home-purchase applications, against 3.5% at similar lenders, lower than about two-thirds of them. Only 0.4% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 1.5% at its peers.
It lends in 17 states. In Denver, its largest market, it ranked 145 of 754 lenders with a share of 0.1%, unchanged. It entered Logan in 2025 and took 0.9% of that market at once, ranking 19 of 176.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pivot Financial Partners took 306 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.2% · Refinance 24.4% · Other 0.4%
Conventional 70.1% · FHA 22.8% · VA 4.7% · USDA (RHS or FSA) 2.4% · of 254 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 | 103 | 40.6% |
| Washington | 35 | 13.8% |
| Utah | 32 | 12.6% |
| Nebraska | 31 | 12.2% |
| Missouri | 14 | 5.5% |
| Idaho | 7 | 2.8% |
| Illinois | 7 | 2.8% |
| Kansas | 7 | 2.8% |
| Wyoming | 6 | 2.4% |
| Iowa | 3 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 69 |
| Logan | 26 |
| Lincoln | 13 |
| Omaha | 11 |
| Kansas City | 9 |
| Fort Collins-Loveland | 4 |
| Pueblo | 4 |
| Cheyenne | 3 |
| Joplin | 3 |
| Colorado Springs | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X7KG2H84UCP685 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438973 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7760718556 |
Established 29 October 2002. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Pivot Financial Partners's data.
Pivot Financial Partners's data
$215
Pivot Financial Partners 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.
Buy Pivot Financial Partners's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]