Digital in Colorado vs the state
15.5%Denial rate-0.15 pts vs state
20.6%Decision denial rate+0.97 pts vs state
59.5%Origination rate-0.50 pts vs state
7.75%Median rate+1.13 pts vs state
0.56Rate spread (pts)+0.41 pts vs state
$174kMedian applicant income
50Loans originated
13Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 67 | 17.9% | 6.87% | #182 |
| 2024 | 89 | 42 | 24.7% | 8.00% | #234 |
| 2025 | 84 | 50 | 15.5% | 7.75% | #244 |
What Digital lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 20 | 12 | 2 | 10.0% |
| El Paso County | 20 | 15 | 3 | 15.0% |
| Boulder County | 10 | 4 | 1 | 10.0% |
| Adams County | 5 | 2 | 2 | 40.0% |
| Larimer County | 5 | 3 | 0 | 0.0% |
| Arapahoe County | 5 | 2 | 1 | 20.0% |
| Jefferson County | 4 | 4 | 0 | 0.0% |
| Fremont County | 4 | 3 | 0 | 0.0% |
| Weld County | 3 | 1 | 1 | 33.3% |
| Broomfield County | 2 | 0 | 2 | 100.0% |
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: 84 applications in 2025, of which 50 were originated and 13 denied.
15.5% of all applications, or 20.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Digital originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Digital'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