Adams Bank & Trust in Colorado vs the state
8.3%Denial rate-7.37 pts vs state
10.6%Decision denial rate-9.02 pts vs state
66.1%Origination rate+6.10 pts vs state
7.75%Median rate+1.13 pts vs state
2.07Rate spread (pts)+1.92 pts vs state
$133kMedian applicant income
80Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 88 | 10.5% | 7.39% | #190 |
| 2024 | 105 | 72 | 15.2% | 8.00% | #213 |
| 2025 | 121 | 80 | 8.3% | 7.75% | #211 |
What Adams Bank & Trust lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Adams Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 33 | 22 | 2 | 6.1% |
| Weld County | 30 | 23 | 3 | 10.0% |
| El Paso County | 10 | 6 | 1 | 10.0% |
| Boulder County | 9 | 7 | 1 | 11.1% |
| Douglas County | 6 | 5 | 0 | 0.0% |
| Denver County | 6 | 4 | 0 | 0.0% |
| Adams County | 4 | 2 | 1 | 25.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Sedgwick County | 3 | 1 | 1 | 33.3% |
| Phillips County | 2 | 0 | 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: 121 applications in 2025, of which 80 were originated and 10 denied.
8.3% of all applications, or 10.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Adams Bank & Trust originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Adams Bank & Trust'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