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Market Report · May 2026

ZIP 80439 — Evergreen

📍 Denver Metro · Colorado
70
🟡 WARM
Balanced market · 22 avg days on market
Property tax ~0.55%/yr
$780K
Median Price
22
Days on Market
$4,708
Est. Monthly PITI

Mortgage Breakdown — 80439

Median Home Price$780,000
20% Down Payment$156,000
Loan Amount$624,000
P&I at 6.7%$4,026/mo
Property Tax Est.$357/mo
Total PITI$4,708/mo
Income Needed (36% DTI)$156,933/yr
🔔 Set Alert for 80439 The Denial Map → 📊 All Markets Denial code lookup

Educational purposes only. Market data estimated from public sources. Not financial advice.

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The other half of the answer

Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.

23.1%
of FHA applications denied in Denver-Aurora-Lakewood, CO, 2025 · national 22.1%
GUILD MORTGAGE COMPANY
5.6%
United Wholesale Mortgage
17.9%
ROCKET MORTGAGE
27.1%
AMERICAN FINANCING CORPORATION
66.9%

A 61.3-point spread between the busiest FHA lenders in this metro.

Loans under $150K denied at 55.9% versus 21.8% above $250K.

This market's lenders → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.