Centennial Lending in Colorado vs the state
38.4%Denial rate+22.76 pts vs state
76.8%Decision denial rate+57.13 pts vs state
11.6%Origination rate-48.41 pts vs state
6.25%Median rate-0.38 pts vs state
0.23Rate spread (pts)+0.08 pts vs state
$121kMedian applicant income
13Loans originated
43Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 100 | 18 | 47.0% | 6.75% | #216 |
| 2024 | 119 | 17 | 46.2% | 6.63% | #203 |
| 2025 | 112 | 13 | 38.4% | 6.25% | #221 |
What Centennial Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Centennial Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 21 | 1 | 8 | 38.1% |
| Jefferson County | 17 | 3 | 6 | 35.3% |
| Arapahoe County | 14 | 1 | 8 | 57.1% |
| Pueblo County | 14 | 1 | 4 | 28.6% |
| Weld County | 7 | 4 | 2 | 28.6% |
| Larimer County | 6 | 0 | 2 | 33.3% |
| El Paso County | 6 | 1 | 0 | 0.0% |
| Denver County | 6 | 1 | 4 | 66.7% |
| Douglas County | 4 | 1 | 3 | 75.0% |
| Park County | 3 | 0 | 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: 112 applications in 2025, of which 13 were originated and 43 denied.
38.4% of all applications, or 76.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Centennial Lending originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Centennial Lending'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