Mountain Parks Financial Corp., a bank holding company, has  an agreement to buy $25 million-asset Charter Bancorp of Englewood, Colo.,   in a stock exchange.   
Charter, which owns Charter Bank and Trust Co., is one of the largest  independent sellers of single-family residential mortgages in Colorado. In   1995, the bank originated $50 million in single-family mortgages, all of   which were sold into the secondary market.     
  
The deal is expected to close in the first half. Terms were not  disclosed. 
Last year, $443 million-asset Mountain Parks entered into a definitive  agreement to acquire Equity Lending Inc., an Edina, Minn., company that   originates residential, nonconforming mortgages primarily in the   Minneapolis-St. Paul metropolitan area.