First American Bank in Colorado vs the state
21.4%Denial rate+5.80 pts vs state
23.1%Decision denial rate+3.42 pts vs state
64.3%Origination rate+4.27 pts vs state
7.50%Median rate+0.88 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$151kMedian applicant income
9Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 16 | 9.5% | 8.24% | #393 |
| 2024 | 11 | 9 | 0.0% | 8.50% | #485 |
| 2025 | 14 | 9 | 21.4% | 7.50% | #461 |
What First American Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 3 | 3 | 0 | 0.0% |
| Arapahoe County | 3 | 0 | 1 | 33.3% |
| Eagle County | 2 | 1 | 1 | 50.0% |
| Weld County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Denver County | 1 | 0 | 1 | 100.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Larimer County | 1 | 1 | 0 | 0.0% |
| Montezuma County | 1 | 1 | 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: 14 applications in 2025, of which 9 were originated and 3 denied.
21.4% of all applications, or 23.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First American Bank originated in Colorado in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are First American Bank'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