BOKF in Colorado vs the state
15.7%Denial rate+0.10 pts vs state
20.7%Decision denial rate+1.05 pts vs state
59.1%Origination rate-0.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$146kMedian applicant income
853Loans originated
227Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,060 | 631 | 24.8% | 6.88% | #56 |
| 2024 | 1,191 | 773 | 14.1% | 6.75% | #50 |
| 2025 | 1,443 | 853 | 15.7% | 6.50% | #41 |
What BOKF lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most BOKF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 229 | 131 | 38 | 16.6% |
| Summit County | 194 | 145 | 12 | 6.2% |
| Denver County | 184 | 105 | 41 | 22.3% |
| Jefferson County | 137 | 81 | 25 | 18.2% |
| Adams County | 133 | 76 | 31 | 23.3% |
| Douglas County | 117 | 67 | 16 | 13.7% |
| Eagle County | 73 | 41 | 8 | 11.0% |
| El Paso County | 66 | 31 | 13 | 19.7% |
| Weld County | 62 | 34 | 10 | 16.1% |
| Boulder County | 50 | 34 | 9 | 18.0% |
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: 1,443 applications in 2025, of which 853 were originated and 227 denied.
15.7% of all applications, or 20.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans BOKF originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are BOKF'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