Arc Home in Colorado vs the state
11.3%Denial rate-4.35 pts vs state
14.9%Decision denial rate-4.81 pts vs state
64.7%Origination rate+4.64 pts vs state
6.88%Median rate+0.25 pts vs state
0.69Rate spread (pts)+0.54 pts vs state
$352kMedian applicant income
86Loans originated
15Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 32 | 19.4% | 7.81% | #254 |
| 2024 | 87 | 51 | 19.5% | 7.38% | #236 |
| 2025 | 133 | 86 | 11.3% | 6.88% | #207 |
What Arc Home lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 16 | 10 | 0 | 0.0% |
| Denver County | 16 | 10 | 1 | 6.3% |
| Summit County | 12 | 11 | 1 | 8.3% |
| Jefferson County | 10 | 6 | 0 | 0.0% |
| Douglas County | 10 | 7 | 1 | 10.0% |
| Adams County | 9 | 5 | 2 | 22.2% |
| Arapahoe County | 9 | 6 | 1 | 11.1% |
| El Paso County | 7 | 3 | 2 | 28.6% |
| Weld County | 6 | 3 | 2 | 33.3% |
| Grand County | 6 | 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: 133 applications in 2025, of which 86 were originated and 15 denied.
11.3% of all applications, or 14.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Arc Home originated in Colorado in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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