Finance Atlas

Banking & Mortgage-Lending Access in Colorado

694 FDIC-insured institutions (64 currently active) are recorded in Colorado in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 22.7% in Colorado.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

694
FDIC institutions (total)
64
Currently active
22.7%
Overall denial rate (HMDA 2024)
143,013
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Colorado?

FDIC BankFind records 694 FDIC-insured institutions (all historical) in Colorado, of which 64 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 694
Currently active 64

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Colorado?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Colorado:

Charter class Description Count
N National bank (OCC-chartered) 274
NM State non-member bank (Fed non-member) 233
SM State member bank (Fed member) 113
SL Savings institution (state-chartered S&L) 53
SB Savings bank (state-chartered) 21

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Colorado? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 22.7% in Colorado. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 22.7%
White applicants 21.0%
Black applicants 34.0%
Black/White denial rate ratio 1.62x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CO

Mortgage origination volume in Colorado (2024)

HMDA 2024 data record 143,013 originated mortgage loans in Colorado , totaling $59.4B , with an average loan size of $415,647.

Metric Value
Originated loans (2024) 143,013
Total origination volume $59.4B
Average loan size $415,647

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=CO

Data exported June 20, 2026 · content hash bae9360f2ac4bbee · machine-readable brief: /finance/states/co/context.md

Where to act