High Country Bank
High Country Bank received 219 applications in 2025 and made 176 mortgages, in 12 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $355,000. Of 188 decisions, 12 were denials — 6.4%, most often for credit application incomplete.
| Legal Entity Identifier | 254900GMDWB9051H7297 |
|---|---|
| Applications received | 219 |
| Mortgages made | 176 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.429 points |
| FDIC-insured bank | Yes: High Country Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 72 | 6.125% | $395,000 | 6.5% |
| Refinancing | 59 | 6.250% | $425,000 | 6.4% |
| Cash-out refinancing | 41 | 6.250% | $205,000 | 6.8% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where High Country Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chaffee County, CO | 120 | 6.125% | 5.5% |
| Fremont County, CO | 35 | 6.375% | 7.9% |
| Lake County, CO | 5 | Under 10 loans | 28.6% |
| Park County, CO | 4 | Under 10 loans | 0.0% |
| Boulder County, CO | 3 | Under 10 loans | 0.0% |
| Custer County, CO | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Teller County, CO | 2 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Garfield County, CO | 1 | Under 10 loans | 0.0% |
| Saguache County, CO | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 0 | Under 10 loans | Not published |
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When High Country Bank’s figures are published for the next year, or restated.
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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. 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.