# Alpine Bank

> **Canonical URL:** https://saferate.com/lenders/alpine-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Alpine Bank is a bank, headquartered in Glenwood Springs, CO, with 224 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** OYWNLMHNBQQ7BAH3EE86
- **Headquarters:** Glenwood Springs, CO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CO
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.135%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,466
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 224
- **Dollar Volume:** $110 million
- **Applications Received:** 356
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $490,625
- **Average Borrower Income:** $204,464
- **Average Property Value:** $951,562

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 200 | +0.142% | $1,454 | Sound ☺️ |
| Jumbo | 60/100 | 11 | +0.235% | $2,819 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 144 loans, Score: 49/100 (Sound)
- Refinance: 56 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 166 | $84M | +0.141% | Sound ☺️ |
| Refinance | 48/100 | 58 | $26M | +0.117% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 224 | 0.27% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 161 | 66/100 |
| Grand Junction, CO | CO | 29 | 65/100 |
| Denver | CO | 27 | 54/100 |

## Where This Lender Ranks

Alpine Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Grand Junction, CO Banks
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks)
- 🏆 **#8** in Grand Junction, CO
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders)
- 🏆 **#8** in Grand Junction, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Colorado Banks
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks)
- 🏆 **#16** in Colorado for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Colorado for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Alpine Bank offer?

Alpine Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Alpine Bank offer mortgages?

Alpine Bank offers mortgages in 1 states: CO.

### How competitive are Alpine Bank's mortgage rates?

Alpine Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.135% above market average.

### What type of lender is Alpine Bank?

Alpine Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Glenwood Springs, CO.

### What is Alpine Bank's loan approval success rate?

Alpine Bank has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/alpine-bank

### How to Cite

> "Alpine Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/alpine-bank

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