Applications / Mortgage Analytics / Lenders / Colorado / RPE Home
Denver, CO · Non-bank lender · CFPB · 921 loans in 2025
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921
loans originated, 2025
1,590
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RPE Home, a Denver lender first reported in 2024, is chiefly a home-improvement lender, and a larger share of its loans goes to poorer neighborhoods than at any similar lender.
Home-improvement loans made up 82.8% of its lending; purchases were 10.5% and refinances 6.6%. All its loans were conventional. Its typical loan, $215,000, was smaller than the $325,000 at similar lenders, meaning non-bank lenders making between half and twice as many loans.
Some 43.1% of its loans went to low- and moderate-income neighborhoods, against 19.8% at similar lenders, the highest share in the group. Its share in majority-minority neighborhoods, 45.1%, was nearer the middle of its peers.
Its typical rate was 11.00%, against 6.62% at similar lenders, the highest in the group. Home-improvement loans, the bulk of its business, are often priced above first mortgages on a purchase, which may account for much of the difference. The rate eased from 11.75% a year earlier.
It lends in 44 states and 193 metros, with Texas its main state. Its loans fell 13% to 921, while similar lenders grew 15%. With only two years of reports, one fall says little about a trend.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RPE Home took 1,590 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 82.8% · Purchase 10.5% · Refinance 6.6%
Conventional 100.0% · of 921 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 |
|---|---|---|
| Texas | 168 | 18.2% |
| Florida | 93 | 10.1% |
| Georgia | 66 | 7.2% |
| North Carolina | 60 | 6.5% |
| Ohio | 60 | 6.5% |
| Illinois | 48 | 5.2% |
| Pennsylvania | 46 | 5.0% |
| New York | 32 | 3.5% |
| Tennessee | 29 | 3.1% |
| Indiana | 27 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 50 |
| Atlanta-Sandy Springs-Roswell | 38 |
| San Antonio-New Braunfels | 37 |
| Chicago-Naperville-Schaumburg | 33 |
| Fort Worth-Arlington-Grapevine | 25 |
| Charlotte-Concord-Gastonia | 24 |
| Cleveland | 21 |
| Philadelphia | 20 |
| Cincinnati | 19 |
| Indianapolis-Carmel-Greenwood | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DSZI6CJXJL6Z14 | 2024–2025 |
Established 19 August 2020. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: RPE Home's data.
RPE Home's data
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