Mortgage lenders in Routt County
778 mortgages were made in Routt County, Colorado, in 2025, by 228 lenders. The median rate their borrowers got was 6.750% on a median loan of $525,000. Of 996 decisions, 171 were denials — 17.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 82 | 6.563% | $480,000 | 4.7% |
| Alpine Bank | 78 | 8.000% | $405,000 | 14.0% |
| NFM, INC. | 60 | 6.750% | $635,000 | 1.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 54 | 6.591% | $575,000 | 17.4% |
| Rocket Mortgage, LLC | 27 | 6.375% | $335,000 | 22.2% |
| GROUP MORTGAGE, LLC | 24 | 6.558% | $570,000 | 0.0% |
| Mountain Valley Bank | 20 | Not published | $435,000 | 8.7% |
| Zions Bancorporation, N.A. | 18 | 7.750% | $310,000 | 24.1% |
| ELEVATIONS | 15 | 7.125% | $365,000 | 0.0% |
| U.S. Bank National Association | 13 | 7.450% | $245,000 | 18.8% |
| Bank of America, National Association | 13 | 5.375% | $1,065,000 | 18.8% |
| JPMorgan Chase Bank, National Association | 12 | 5.995% | $905,000 | 20.0% |
| Wells Fargo Bank, National Association | 11 | 6.375% | $395,000 | 21.4% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 6.875% | $875,000 | 15.4% |
| Morgan Stanley Private Bank, National Association | 11 | 5.725% | $955,000 | 0.0% |
| OriginPoint, LLC | 10 | 6.913% | $720,000 | 9.1% |
| The Huntington National Bank | 10 | 6.000% | $800,000 | 21.4% |
| GUILD MORTGAGE COMPANY | 10 | 6.500% | $690,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 10 | 6.813% | $975,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ENT Credit Union | 7 | Under 10 loans | Under 10 loans | 23.1% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 18.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BELLCO CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Farm Credit Mid-America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MEMBERS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 37.5% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loandepot.Com, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UMB Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WESTERRA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Jonah Bank of Wyoming | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BOKF, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHEVRON Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 85.7% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| CREDIT UNION OF DENVER | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| CANVAS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900RNV63A0TIZNK90 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Hutchinson | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TexasBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Great Oaks Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLUEBIRD HOME LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLORADO CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Yazoo City | 1 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HUNT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| John Marshall Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FMS Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL IN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIWYO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Oklahoma Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Veritex Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Climb Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Platte Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Origin Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heartland Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Associated Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SouthState Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Trustmark National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Logan Finance Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| NQM FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| First National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FlexPoint, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| GEORGIA'S OWN | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 5493004T38NMC864VL66 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Mountain America Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICA FIRST Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 28 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Routt County
9 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Mountain Valley Bank | 3 | $190.4 million |
| Yampa Valley Bank | 1 | $437.2 million |
| Wells Fargo Bank, National Association | 1 | $315.9 million |
| Alpine Bank | 1 | $203.6 million |
| Zions Bancorporation, N.A. | 1 | $94.3 million |
| Glacier Bank | 1 | $37.4 million |
| BMO Bank National Association | 1 | $37.1 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.