Champions Funding in Colorado vs the state
21.8%Denial rate+6.21 pts vs state
27.9%Decision denial rate+8.28 pts vs state
56.3%Origination rate-3.70 pts vs state
7.75%Median rate+1.13 pts vs state
2.21Rate spread (pts)+2.06 pts vs state
$244kMedian applicant income
196Loans originated
76Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 32 | 52.8% | 9.38% | #244 |
| 2024 | 116 | 66 | 13.8% | 9.00% | #204 |
| 2025 | 348 | 196 | 21.8% | 7.75% | #131 |
What Champions Funding lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 50 | 27 | 10 | 20.0% |
| Jefferson County | 45 | 23 | 11 | 24.4% |
| El Paso County | 44 | 25 | 8 | 18.2% |
| Arapahoe County | 41 | 25 | 5 | 12.2% |
| Adams County | 31 | 13 | 10 | 32.3% |
| Pueblo County | 25 | 19 | 5 | 20.0% |
| Weld County | 16 | 9 | 3 | 18.8% |
| Boulder County | 15 | 11 | 3 | 20.0% |
| Douglas County | 15 | 8 | 3 | 20.0% |
| Grand County | 8 | 3 | 2 | 25.0% |
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: 348 applications in 2025, of which 196 were originated and 76 denied.
21.8% of all applications, or 27.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Champions Funding originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Champions Funding'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