American Financing in Colorado vs the state
41.3%Denial rate+25.67 pts vs state
54.2%Decision denial rate+34.51 pts vs state
28.4%Origination rate-31.66 pts vs state
6.38%Median rate-0.25 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$103kMedian applicant income
1,400Loans originated
2,039Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,404 | 852 | 37.4% | 6.50% | #11 |
| 2024 | 4,569 | 1,316 | 44.8% | 6.13% | #9 |
| 2025 | 4,937 | 1,400 | 41.3% | 6.38% | #7 |
What American Financing lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 862 | 241 | 400 | 46.4% |
| Arapahoe County | 810 | 253 | 331 | 40.9% |
| Jefferson County | 666 | 202 | 229 | 34.4% |
| Weld County | 643 | 191 | 266 | 41.4% |
| Denver County | 456 | 104 | 205 | 45.0% |
| Douglas County | 399 | 98 | 159 | 39.8% |
| Larimer County | 199 | 59 | 81 | 40.7% |
| El Paso County | 158 | 25 | 89 | 56.3% |
| Boulder County | 116 | 30 | 43 | 37.1% |
| Elbert County | 64 | 14 | 24 | 37.5% |
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% |
| 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% |
| Pennymac Loan Services | C | 3,970 | 10.5% | 6.38% |
Frequently asked questions
Colorado: 4,937 applications in 2025, of which 1,400 were originated and 2,039 denied.
41.3% of all applications, or 54.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans American Financing originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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