Applications / Mortgage Analytics / Lenders / Colorado / The Eastern Colorado Bank
Cheyenne Wells, CO · State non-member bank · FDIC · $705 million assets · 22 loans in 2025
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22
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Eastern Colorado Bank is a small lender in Colorado and Kansas whose home lending fell back in 2025 after a short revival the year before.
It made 22 loans in 2025, down 44% from 39 in 2024. Similar lenders, state non-member banks making between half and twice as many loans, typically fell 10%, so its drop was steeper than most. Its peak came in 2021, with 104 loans; it made only 18 in 2023.
The bank lends in 10 counties across two states. It ranked 290 of 754 lenders in Denver-Aurora-Centennial, 251 of 626 in non-metro Colorado and 238 of 398 in non-metro Kansas. It has reported since 2004. Its share rounds to zero in each metro it serves.
Its 2025 loans split evenly between home purchases and refinances. Its typical loan was $255,000, above the $175,000 of similar banks, but on 22 loans a handful of large mortgages can move that figure a long way. The same caution applies to its shares of lending to lower-income borrowers and neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Eastern Colorado Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0%
Conventional 100.0% · of 22 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 | 19 | 86.4% |
| Kansas | 2 | 9.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 7 |
| Colorado Springs | 2 |
| Manhattan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZXXYWVD5ZXYN28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 775054 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316125 | 2004–2017 |
Established 1 March 1944. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Eastern Colorado Bank's data.
The Eastern Colorado Bank's data
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The Eastern Colorado Bank 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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