American Pacific Mortgage in Colorado vs the state
6.9%Denial rate-8.73 pts vs state
8.3%Decision denial rate-11.33 pts vs state
75.4%Origination rate+15.35 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.21 pts vs state
$135kMedian applicant income
153Loans originated
14Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 402 | 281 | 6.7% | 6.50% | #108 |
| 2024 | 233 | 158 | 7.7% | 6.63% | #151 |
| 2025 | 203 | 153 | 6.9% | 6.63% | #183 |
What American Pacific Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 45 | 36 | 2 | 4.4% |
| Arapahoe County | 24 | 19 | 2 | 8.3% |
| Douglas County | 21 | 14 | 1 | 4.8% |
| Adams County | 19 | 16 | 0 | 0.0% |
| Jefferson County | 16 | 13 | 0 | 0.0% |
| Weld County | 15 | 10 | 2 | 13.3% |
| Pueblo County | 13 | 8 | 2 | 15.4% |
| Larimer County | 9 | 8 | 0 | 0.0% |
| Denver County | 6 | 6 | 0 | 0.0% |
| Boulder County | 6 | 6 | 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: 203 applications in 2025, of which 153 were originated and 14 denied.
6.9% of all applications, or 8.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans American Pacific Mortgage originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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