Efinity Financial in Colorado vs the state
12.5%Denial rate-3.13 pts vs state
25.0%Decision denial rate+5.34 pts vs state
37.5%Origination rate-22.52 pts vs state
6.50%Median rate-0.13 pts vs state
0.72Rate spread (pts)+0.57 pts vs state
$120kMedian applicant income
3Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 12 | 0.0% | 6.63% | #447 |
| 2024 | 9 | 5 | 11.1% | 6.50% | #505 |
| 2025 | 8 | 3 | 12.5% | 6.50% | #534 |
What Efinity Financial lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Efinity Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 4 | 0 | 1 | 25.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Arapahoe County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 0 | 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: 8 applications in 2025, of which 3 were originated and 1 denied.
12.5% of all applications, or 25.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Efinity Financial originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Efinity Financial'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