A&D Mortgage in Colorado vs the state
8.1%Denial rate-7.57 pts vs state
11.6%Decision denial rate-8.02 pts vs state
58.8%Origination rate-1.25 pts vs state
6.49%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.07 pts vs state
$151kMedian applicant income
124Loans originated
17Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 48 | 6.6% | 8.25% | #219 |
| 2024 | 161 | 91 | 13.0% | 7.49% | #180 |
| 2025 | 211 | 124 | 8.1% | 6.49% | #180 |
What A&D Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 27 | 19 | 2 | 7.4% |
| Jefferson County | 23 | 16 | 1 | 4.3% |
| Denver County | 22 | 12 | 1 | 4.5% |
| Douglas County | 18 | 10 | 3 | 16.7% |
| El Paso County | 17 | 8 | 2 | 11.8% |
| Pueblo County | 16 | 7 | 1 | 6.3% |
| Weld County | 10 | 5 | 2 | 20.0% |
| Adams County | 10 | 5 | 1 | 10.0% |
| Boulder County | 9 | 3 | 1 | 11.1% |
| Mesa County | 7 | 4 | 0 | 0.0% |
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: 211 applications in 2025, of which 124 were originated and 17 denied.
8.1% of all applications, or 11.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans A&D Mortgage originated in Colorado in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are A&D 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