21st Mortgage in Colorado vs the state
56.6%Denial rate+40.95 pts vs state
79.9%Decision denial rate+60.20 pts vs state
14.1%Origination rate-45.92 pts vs state
10.25%Median rate+3.62 pts vs state
4.54Rate spread (pts)+4.39 pts vs state
$68kMedian applicant income
344Loans originated
1,380Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,221 | 398 | 57.8% | 10.27% | #13 |
| 2024 | 3,227 | 474 | 57.3% | 10.37% | #16 |
| 2025 | 2,439 | 344 | 56.6% | 10.25% | #24 |
What 21st Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 712 | 113 | 415 | 58.3% |
| Weld County | 350 | 44 | 207 | 59.1% |
| El Paso County | 243 | 23 | 158 | 65.0% |
| Larimer County | 176 | 17 | 100 | 56.8% |
| Garfield County | 125 | 18 | 61 | 48.8% |
| Arapahoe County | 107 | 4 | 69 | 64.5% |
| Mesa County | 86 | 13 | 46 | 53.5% |
| Jefferson County | 84 | 16 | 37 | 44.0% |
| Broomfield County | 68 | 21 | 29 | 42.6% |
| Boulder County | 59 | 8 | 29 | 49.2% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 2,439 applications in 2025, of which 344 were originated and 1,380 denied.
56.6% of all applications, or 79.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans 21st Mortgage originated in Colorado in 2025 was 10.25%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology