American Heritage Lending in Colorado vs the state
9.6%Denial rate-6.07 pts vs state
11.9%Decision denial rate-7.73 pts vs state
52.9%Origination rate-7.08 pts vs state
7.25%Median rate+0.63 pts vs state
0.76Rate spread (pts)+0.61 pts vs state
$230kMedian applicant income
72Loans originated
13Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 28 | 17.5% | 8.44% | #270 |
| 2024 | 105 | 53 | 9.5% | 7.63% | #214 |
| 2025 | 136 | 72 | 9.6% | 7.25% | #206 |
What American Heritage Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 20 | 13 | 2 | 10.0% |
| Jefferson County | 17 | 7 | 0 | 0.0% |
| Arapahoe County | 14 | 7 | 1 | 7.1% |
| El Paso County | 14 | 6 | 0 | 0.0% |
| Adams County | 13 | 9 | 0 | 0.0% |
| Pueblo County | 10 | 4 | 6 | 60.0% |
| Boulder County | 8 | 4 | 2 | 25.0% |
| Douglas County | 8 | 4 | 0 | 0.0% |
| Weld County | 5 | 3 | 0 | 0.0% |
| Gunnison County | 4 | 3 | 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: 136 applications in 2025, of which 72 were originated and 13 denied.
9.6% of all applications, or 11.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans American Heritage Lending originated in Colorado in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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