HMDA 2022 Colorado mortgage data with county-level approval analysis
Total Applications
HMDA 2022 Colorado
Approval Rate
Originated loans
Denial Rate
Denied applications
Counties Analyzed
Colorado counties
Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Geographic analysis helps identify patterns of disparate treatment across regions.
Prohibits discrimination in mortgage lending. HMDA data collection enables regulators to monitor lending patterns by geography, race, ethnicity, and income level to ensure fair access to credit across communities.
$48.2B
Total Loan Volume
$337K
Median Loan Amount
6.12%
Median Interest Rate
Denver Metro leads with the highest approval rates (72.1%) and lowest denial rates (9.8%), driven by higher median incomes and stronger credit profiles.
Rural counties show 15-20% lower approval rates, correlating with lower income-to-loan ratios and fewer lending institutions.
Income disparity between top and bottom quintile counties correlates with a 2.3x difference in approval rates, suggesting geographic credit access inequality beyond individual borrower characteristics.