Alpine Bank mortgage approval rate & lending review
Alpine Bank decided 1,080 mortgage applications and funded 869 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Alpine Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Alpine Bank at a glance
Approval is 10.2 points above the 76.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 360 / 415 | 90% | $315K | 324 |
| Home improvement loans | 85% | 218 / 257 | 96% | $75K | 210 |
| Cash-out refinance | 59% | 17 / 29 | 76% | $195K | 13 |
| Refinance | 90% | 165 / 183 | 93% | $145K | 154 |
| Investment property purchase | 97% | 88 / 91 | 93% | $225K | 82 |
| Investment refinance | 88% | 38 / 43 | 95% | $295K | 36 |
| Investment home improvement | 89% | 49 / 55 | 94% | $105K | 46 |
Alpine Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 87% | $225K | 1,077 | 868 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Alpine Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mesa County, CO | Mortgage lenders | 93% | 192 | 160 |
| Mesa County, CO | Home improvement loans | 85% | 140 | 114 |
| Mesa County, CO | Refinance | 90% | 93 | 80 |
| Mesa County, CO | Investment property purchase | 97% | 39 | 35 |
| Denver County, CO | Home improvement loans | 81% | 27 | 22 |
| Denver County, CO | Refinance | 96% | 23 | 21 |
| Larimer County, CO | Home improvement loans | 86% | 21 | 16 |
The county markets where Alpine Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Alpine Bank
What is Alpine Bank's mortgage approval rate?
Alpine Bank approved 87.1% of the 1,080 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.2 points above the 76.9% national rate for the same mix of loan types.
How often do borrowers take the loan Alpine Bank offers?
Borrowers accepted 92% of the loans Alpine Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Alpine Bank make?
The typical home purchase mortgage loan Alpine Bank made was $315K; across all loan types its typical loan ran from $75K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Alpine Bank lend?
Alpine Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Colorado, Arizona and New Jersey.
Can I apply to Alpine Bank directly?
Yes. Alpine Bank is a bank or credit union with 42 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Alpine Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Alpine Bank treats applications, then get a rate quote from the lender.