Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Jefferson County, Colorado
Every institution that decided a 1–4 unit mortgage application in Jefferson County, home to Lakewood, between 2023 and 2025: 46,760 applications, 37,558 loans actually funded, across 8 kinds of borrowing.
Jefferson County at a glance
46,760Applications decided
2023–2025
37,558Loans funded
80% of decisions
146Census tracts
25 ZIP codes
579,715People
ACS 2023
What the data shows
Lenders approved 93.5% of home-purchase applications in Jefferson County, 3.2 points above the Colorado rate.
The typical purchase mortgage here is $505K.
Investment home improvement is the hardest money to get here: lenders approved 54% of 323 applications.
Lending by loan type in Jefferson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 93.5% | 22,142 | $505K | 97% | 528 |
| Home improvement loans | 73.3% | 7,212 | $95K | 93% | 152 |
| Cash-out refinance | 72.2% | 7,818 | $155K | 94% | 292 |
| Refinance | 80.5% | 6,359 | $475K | 95% | 317 |
| Investment property purchase | 90.3% | 1,990 | $425K | 96% | 265 |
| Investment cash-out refinance | 67.8% | 522 | $295K | 94% | 129 |
| Investment refinance | 73.4% | 394 | $425K | 92% | 131 |
| Investment home improvement | 53.6% | 323 | $95K | 91% | 51 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.