Alpine Bank in Colorado vs the state
11.8%Denial rate-3.85 pts vs state
13.2%Decision denial rate-6.42 pts vs state
71.1%Origination rate+11.07 pts vs state
8.00%Median rate+1.38 pts vs state
0.95Rate spread (pts)+0.79 pts vs state
$141kMedian applicant income
1,490Loans originated
247Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,600 | 1,126 | 12.4% | 8.81% | #39 |
| 2024 | 1,650 | 1,211 | 12.0% | 9.13% | #36 |
| 2025 | 2,096 | 1,490 | 11.8% | 8.00% | #30 |
What Alpine Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Alpine Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garfield County | 524 | 366 | 66 | 12.6% |
| Mesa County | 233 | 185 | 19 | 8.2% |
| Eagle County | 203 | 131 | 26 | 12.8% |
| Pitkin County | 178 | 128 | 15 | 8.4% |
| La Plata County | 127 | 89 | 15 | 11.8% |
| Routt County | 109 | 78 | 13 | 11.9% |
| Summit County | 109 | 73 | 14 | 12.8% |
| Montrose County | 86 | 61 | 14 | 16.3% |
| San Miguel County | 80 | 65 | 4 | 5.0% |
| Denver County | 61 | 45 | 7 | 11.5% |
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: 2,096 applications in 2025, of which 1,490 were originated and 247 denied.
11.8% of all applications, or 13.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Alpine Bank originated in Colorado in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Alpine Bank'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