Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Adams County, Colorado
Every institution that decided a 1–4 unit mortgage application in Adams County, home to Thornton, between 2023 and 2025: 48,449 applications, 35,114 loans actually funded, across 8 kinds of borrowing.
Adams County at a glance
48,449Applications decided
2023–2025
35,114Loans funded
72% of decisions
107Census tracts
21 ZIP codes
524,408People
ACS 2023
What the data shows
Lenders approved 83.5% of home-purchase applications in Adams County, 6.8 points below the Colorado rate.
The typical purchase mortgage here is $445K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 295 applications.
Lending by loan type in Adams County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.5% | 27,778 | $445K | 96% | 459 |
| Home improvement loans | 62.4% | 5,260 | $65K | 94% | 129 |
| Cash-out refinance | 64.6% | 7,727 | $155K | 93% | 281 |
| Refinance | 68.0% | 5,019 | $435K | 92% | 294 |
| Investment property purchase | 86.4% | 1,494 | $335K | 95% | 209 |
| Investment cash-out refinance | 64.3% | 498 | $255K | 92% | 125 |
| Investment refinance | 74.1% | 378 | $325K | 94% | 116 |
| Investment home improvement | 48.5% | 295 | $75K | 88% | 55 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.