Figure Lending in Colorado vs the state
29.3%Denial rate+13.65 pts vs state
31.0%Decision denial rate+11.35 pts vs state
46.2%Origination rate-13.82 pts vs state
8.80%Median rate+2.18 pts vs state
2.33Rate spread (pts)+2.18 pts vs state
$127kMedian applicant income
680Loans originated
431Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,819 | 831 | 32.0% | 10.55% | #31 |
| 2024 | 2,103 | 962 | 29.0% | 10.25% | #26 |
| 2025 | 1,472 | 680 | 29.3% | 8.80% | #40 |
What Figure Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 166 | 83 | 39 | 23.5% |
| Jefferson County | 162 | 78 | 41 | 25.3% |
| Douglas County | 155 | 74 | 52 | 33.5% |
| Arapahoe County | 153 | 68 | 41 | 26.8% |
| Denver County | 142 | 61 | 44 | 31.0% |
| Adams County | 108 | 47 | 36 | 33.3% |
| Weld County | 91 | 48 | 24 | 26.4% |
| Larimer County | 82 | 46 | 23 | 28.0% |
| Boulder County | 72 | 25 | 20 | 27.8% |
| Mesa County | 39 | 15 | 15 | 38.5% |
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: 1,472 applications in 2025, of which 680 were originated and 431 denied.
29.3% of all applications, or 31.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Figure Lending originated in Colorado in 2025 was 8.80%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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