American Financial Resources in Colorado vs the state
4.1%Denial rate-11.49 pts vs state
5.5%Decision denial rate-14.17 pts vs state
71.3%Origination rate+11.32 pts vs state
6.50%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.16 pts vs state
$111kMedian applicant income
224Loans originated
13Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 29 | 26.3% | 6.75% | #269 |
| 2024 | 104 | 69 | 7.7% | 6.63% | #215 |
| 2025 | 314 | 224 | 4.1% | 6.50% | #142 |
What American Financial Resources lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 58 | 41 | 2 | 3.4% |
| Pueblo County | 50 | 27 | 6 | 12.0% |
| Jefferson County | 25 | 20 | 0 | 0.0% |
| Arapahoe County | 21 | 15 | 0 | 0.0% |
| Adams County | 19 | 13 | 2 | 10.5% |
| Park County | 16 | 14 | 1 | 6.3% |
| Fremont County | 15 | 13 | 0 | 0.0% |
| Denver County | 13 | 10 | 0 | 0.0% |
| Weld County | 13 | 11 | 0 | 0.0% |
| Douglas County | 12 | 8 | 1 | 8.3% |
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: 314 applications in 2025, of which 224 were originated and 13 denied.
4.1% of all applications, or 5.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans American Financial Resources originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Financial Resources'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