Citizens Bank in Colorado vs the state
14.1%Denial rate-1.55 pts vs state
18.9%Decision denial rate-0.79 pts vs state
59.2%Origination rate-0.87 pts vs state
6.25%Median rate-0.38 pts vs state
-0.09Rate spread (pts)-0.24 pts vs state
$230kMedian applicant income
42Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 86 | 62 | 11.6% | 6.44% | #225 |
| 2024 | 46 | 25 | 17.4% | 6.38% | #298 |
| 2025 | 71 | 42 | 14.1% | 6.25% | #261 |
What Citizens Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 13 | 8 | 3 | 23.1% |
| Boulder County | 8 | 6 | 0 | 0.0% |
| Larimer County | 5 | 3 | 2 | 40.0% |
| Pitkin County | 5 | 3 | 0 | 0.0% |
| Douglas County | 4 | 3 | 1 | 25.0% |
| Jefferson County | 4 | 3 | 1 | 25.0% |
| El Paso County | 4 | 2 | 1 | 25.0% |
| Eagle County | 3 | 2 | 0 | 0.0% |
| Summit County | 3 | 1 | 1 | 33.3% |
| San Miguel County | 3 | 2 | 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: 71 applications in 2025, of which 42 were originated and 10 denied.
14.1% of all applications, or 18.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Citizens Bank originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Citizens Bank'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