American Liberty Mortgage in Colorado vs the state
1.9%Denial rate-13.70 pts vs state
2.7%Decision denial rate-17.01 pts vs state
68.5%Origination rate+8.43 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)+0.02 pts vs state
$134kMedian applicant income
319Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 197 | 163 | 2.5% | 6.88% | #161 |
| 2024 | 397 | 263 | 5.5% | 6.63% | #113 |
| 2025 | 466 | 319 | 1.9% | 6.50% | #108 |
What American Liberty Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most American Liberty Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 93 | 55 | 1 | 1.1% |
| Jefferson County | 71 | 53 | 2 | 2.8% |
| Arapahoe County | 51 | 31 | 1 | 2.0% |
| Denver County | 46 | 36 | 1 | 2.2% |
| Adams County | 43 | 29 | 2 | 4.7% |
| Weld County | 38 | 23 | 0 | 0.0% |
| Douglas County | 25 | 17 | 0 | 0.0% |
| Larimer County | 19 | 14 | 0 | 0.0% |
| Pueblo County | 15 | 14 | 0 | 0.0% |
| Grand County | 13 | 11 | 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: 466 applications in 2025, of which 319 were originated and 9 denied.
1.9% of all applications, or 2.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans American Liberty Mortgage originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Liberty Mortgage'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