Emporium TPO in Colorado vs the state
11.1%Denial rate-4.52 pts vs state
11.1%Decision denial rate-8.55 pts vs state
55.6%Origination rate-4.46 pts vs state
7.25%Median rate+0.63 pts vs state
0.66Rate spread (pts)+0.51 pts vs state
$142kMedian applicant income
15Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 19 | 12 | 15.8% | 7.50% | #407 |
| 2025 | 27 | 15 | 11.1% | 7.25% | #385 |
What Emporium TPO lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 6 | 4 | 0 | 0.0% |
| Adams County | 6 | 3 | 1 | 16.7% |
| Denver County | 4 | 2 | 1 | 25.0% |
| Teller County | 3 | 1 | 0 | 0.0% |
| Arapahoe County | 2 | 1 | 1 | 50.0% |
| Routt County | 1 | 0 | 0 | 0.0% |
| Grand County | 1 | 1 | 0 | 0.0% |
| Larimer County | 1 | 1 | 0 | 0.0% |
| Elbert County | 1 | 1 | 0 | 0.0% |
| Park 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: 27 applications in 2025, of which 15 were originated and 3 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Emporium TPO originated in Colorado in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Emporium TPO'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