Encompass Lending Group in Colorado vs the state
18.2%Denial rate+2.55 pts vs state
22.2%Decision denial rate+2.56 pts vs state
63.6%Origination rate+3.62 pts vs state
6.13%Median rate-0.50 pts vs state
0.47Rate spread (pts)+0.32 pts vs state
$97kMedian applicant income
7Loans originated
2Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 3 | 25.0% | 7.13% | #520 |
| 2025 | 11 | 7 | 18.2% | 6.13% | #488 |
What Encompass Lending Group lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 4 | 4 | 0 | 0.0% |
| Denver County | 2 | 0 | 2 | 100.0% |
| Otero County | 2 | 2 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Arapahoe 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: 11 applications in 2025, of which 7 were originated and 2 denied.
18.2% of all applications, or 22.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Encompass Lending Group originated in Colorado in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Encompass Lending Group'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