Largest lenders in San Miguel County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Alpine Bank | B | 80 | 65 | 5.0% | 8.00% |
| 2 | NBH Bank | C | 37 | 22 | 13.5% | 6.87% |
| 3 | U.S. Bank | D | 29 | 11 | 44.8% | 6.25% |
| 4 | JPMorgan Chase Bank | B | 19 | 14 | 10.5% | 6.19% |
| 5 | United Shore Financial Services | B | 15 | 11 | 13.3% | 6.50% |
| 6 | Bank of America | F | 14 | 5 | 35.7% | 5.25% |
| 7 | Guild Mortgage | A | 10 | 5 | 0.0% | 6.50% |
| 8 | ANB Bank | C | 9 | 4 | 33.3% | 6.00% |
| 9 | Spring Eq | D | 9 | 2 | 55.6% | 7.70% |
| 10 | BMO Bank | F | 9 | 3 | 66.7% | 6.63% |
| 11 | Morgan Stanley Private Bank | A | 8 | 7 | 0.0% | 5.70% |
| 12 | Pennymac Loan Services | C | 7 | 4 | 0.0% | 4.81% |
| 13 | Rocket Mortgage | C | 7 | 3 | 14.3% | 7.25% |
| 14 | Zions Bancorporation | B | 5 | 3 | 40.0% | 7.25% |
| 15 | The Central Trust Bank | C | 5 | 4 | 0.0% | 6.00% |
| 16 | The Mortgage Link | B | 5 | 4 | 0.0% | 6.69% |
| 17 | Newrez | D | 5 | 3 | 20.0% | 6.88% |
Best approval odds in San Miguel County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Alpine Bank | 75 | 5.3% |
What San Miguel County borrowers applied for
By loan purpose
By loan type
Why applications were denied
San Miguel County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 300 | 165 | 18.7% | 6.75% | $625,000 |
| 2024 | 360 | 204 | 12.5% | 7.00% | $460,000 |
| 2025 | 421 | 238 | 18.1% | 6.75% | $555,000 |
Frequently asked questions
18.1% of applications in San Miguel County were denied in 2025, against 15.6% statewide in Colorado.
Alpine Bank, with 80 applications in 2025 and a denial rate of 5.0%.
The median mortgage application in San Miguel County in 2025 was for $555,000; the median property value on originated loans was $1,645,000.