Bank of England in Colorado vs the state
20.0%Denial rate+4.37 pts vs state
25.0%Decision denial rate+5.34 pts vs state
60.0%Origination rate-0.02 pts vs state
7.00%Median rate+0.38 pts vs state
0.30Rate spread (pts)+0.15 pts vs state
$135kMedian applicant income
3Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 307 | 212 | 2.9% | 6.88% | #126 |
| 2024 | 163 | 107 | 3.7% | 6.88% | #177 |
| 2025 | 5 | 3 | 20.0% | 7.00% | #604 |
What Bank of England lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Bank of England applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 2 | 1 | 1 | 50.0% |
| Arapahoe County | 1 | 1 | 0 | 0.0% |
| Summit County | 1 | 0 | 0 | 0.0% |
| Douglas County | 1 | 1 | 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: 5 applications in 2025, of which 3 were originated and 1 denied.
20.0% of all applications, or 25.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Bank of England originated in Colorado in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Bank of England'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