Bank of Colorado in Colorado vs the state
10.5%Denial rate-5.10 pts vs state
12.8%Decision denial rate-6.87 pts vs state
69.9%Origination rate+9.86 pts vs state
6.88%Median rate+0.25 pts vs state
0.37Rate spread (pts)+0.22 pts vs state
$140kMedian applicant income
1,334Loans originated
201Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,896 | 1,265 | 13.6% | 7.24% | #29 |
| 2024 | 1,697 | 1,153 | 11.7% | 7.38% | #34 |
| 2025 | 1,909 | 1,334 | 10.5% | 6.88% | #31 |
What Bank of Colorado lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Bank of Colorado applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 307 | 215 | 28 | 9.1% |
| Weld County | 258 | 180 | 32 | 12.4% |
| Logan County | 143 | 103 | 11 | 7.7% |
| La Plata County | 123 | 84 | 9 | 7.3% |
| Morgan County | 115 | 78 | 11 | 9.6% |
| Mesa County | 106 | 80 | 14 | 13.2% |
| Delta County | 92 | 50 | 19 | 20.7% |
| Garfield County | 70 | 50 | 10 | 14.3% |
| Montrose County | 70 | 43 | 14 | 20.0% |
| Denver County | 64 | 49 | 3 | 4.7% |
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: 1,909 applications in 2025, of which 1,334 were originated and 201 denied.
10.5% of all applications, or 12.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Bank of Colorado originated in Colorado in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Bank of Colorado'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