Citibank in Colorado vs the state
14.8%Denial rate-0.83 pts vs state
21.6%Decision denial rate+1.97 pts vs state
51.0%Origination rate-9.03 pts vs state
5.88%Median rate-0.75 pts vs state
-0.33Rate spread (pts)-0.48 pts vs state
$232kMedian applicant income
155Loans originated
45Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 175 | 3.2% | 5.38% | #147 |
| 2024 | 236 | 141 | 8.5% | 6.38% | #150 |
| 2025 | 304 | 155 | 14.8% | 5.88% | #144 |
What Citibank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 51 | 31 | 8 | 15.7% |
| Adams County | 42 | 22 | 7 | 16.7% |
| Arapahoe County | 29 | 15 | 3 | 10.3% |
| Boulder County | 23 | 10 | 5 | 21.7% |
| Pitkin County | 21 | 12 | 1 | 4.8% |
| Jefferson County | 20 | 12 | 2 | 10.0% |
| Douglas County | 16 | 12 | 1 | 6.3% |
| El Paso County | 16 | 1 | 8 | 50.0% |
| Eagle County | 10 | 6 | 0 | 0.0% |
| Grand County | 10 | 6 | 1 | 10.0% |
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: 304 applications in 2025, of which 155 were originated and 45 denied.
14.8% of all applications, or 21.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Citibank originated in Colorado in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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