Commerce Home Mortgage in Colorado vs the state
6.7%Denial rate-8.93 pts vs state
9.9%Decision denial rate-9.73 pts vs state
60.6%Origination rate+0.53 pts vs state
7.00%Median rate+0.38 pts vs state
0.59Rate spread (pts)+0.43 pts vs state
$193kMedian applicant income
244Loans originated
27Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 332 | 196 | 7.8% | 7.38% | #124 |
| 2024 | 286 | 192 | 2.5% | 7.00% | #133 |
| 2025 | 403 | 244 | 6.7% | 7.00% | #120 |
What Commerce Home Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 57 | 38 | 2 | 3.5% |
| Boulder County | 55 | 33 | 2 | 3.6% |
| Jefferson County | 44 | 30 | 1 | 2.3% |
| Larimer County | 34 | 24 | 2 | 5.9% |
| Arapahoe County | 33 | 20 | 3 | 9.1% |
| El Paso County | 28 | 16 | 1 | 3.6% |
| Douglas County | 25 | 18 | 1 | 4.0% |
| Weld County | 24 | 13 | 3 | 12.5% |
| Adams County | 14 | 8 | 2 | 14.3% |
| Mesa County | 11 | 3 | 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: 403 applications in 2025, of which 244 were originated and 27 denied.
6.7% of all applications, or 9.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Commerce Home Mortgage originated in Colorado in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home Mortgage'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