Emm Loans in Colorado vs the state
15.0%Denial rate-0.63 pts vs state
25.0%Decision denial rate+5.34 pts vs state
45.0%Origination rate-15.02 pts vs state
5.99%Median rate-0.63 pts vs state
0.30Rate spread (pts)+0.15 pts vs state
$83kMedian applicant income
9Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 16 | 6.5% | 5.81% | #352 |
| 2024 | 19 | 7 | 10.5% | 6.13% | #402 |
| 2025 | 20 | 9 | 15.0% | 5.99% | #422 |
What Emm Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 4 | 2 | 0 | 0.0% |
| El Paso County | 4 | 1 | 2 | 50.0% |
| Arapahoe County | 2 | 2 | 0 | 0.0% |
| Larimer County | 2 | 0 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Denver County | 2 | 1 | 1 | 50.0% |
| Weld County | 2 | 1 | 0 | 0.0% |
| Elbert County | 1 | 1 | 0 | 0.0% |
| Kit Carson 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: 20 applications in 2025, of which 9 were originated and 3 denied.
15.0% 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 Emm Loans originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Emm Loans'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