Applications / Mortgage Analytics / Lenders / Colorado / The Mortgage Company
Centennial, CO · Independent non-bank lender · CFPB · 257 loans in 2025
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257
loans originated, 2025
377
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Mortgage Company is a small Colorado home-purchase lender that makes a fifth as many loans as in 2020 but more of them to borrowers of modest means than most similar lenders.
Purchases made up 81.3% of its loans and refinances the rest. Most were conventional, 77.8%, close to similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Its typical loan of $345,000 and typical rate of 6.62% sit near the middle of those peers.
Low- and moderate-income borrowers took 33.1% of its loans, against 21.7% at peers, a higher share than at about three in four. None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 1.5% at peers. Its denial rate on home-purchase applications, 2.7%, is close to the peers' 3.5%.
It made 257 loans in 2025, almost the same as the 259 of 2024, against 1,281 in 2020. Its lowest year was 2023, with 144. Peers grew hardly at all in 2025, while the whole market grew 10%.
It has reported since 2011. In Denver-Aurora-Centennial, its largest market, it ranks 122 of 754 with a share of 0.2%, unchanged on the year; United Wholesale Mortgage leads there. Its lending reaches 29 counties in two states, and in 2025 it entered Ocala, Florida, its first year in that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage Company took 377 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 18.7%
Conventional 77.8% · FHA 14.8% · VA 6.6% · USDA (RHS or FSA) 0.8% · of 257 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 | 256 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 127 |
| Colorado Springs | 7 |
| Pueblo | 5 |
| Greeley | 4 |
| Boulder | 2 |
| Grand Junction | 2 |
| Fort Collins-Loveland | 1 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NB6LOZ96BDSU42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438991 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7841347792 |
Established 17 June 1996. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: The Mortgage Company's data.
The Mortgage Company's data
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The Mortgage Company 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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