First-Citizens Bank & Trust in Colorado vs the state
14.1%Denial rate-1.49 pts vs state
17.5%Decision denial rate-2.16 pts vs state
64.7%Origination rate+4.63 pts vs state
6.19%Median rate-0.44 pts vs state
-0.22Rate spread (pts)-0.37 pts vs state
$266kMedian applicant income
64Loans originated
14Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 82 | 16.3% | 6.00% | #188 |
| 2024 | 103 | 67 | 17.5% | 5.99% | #218 |
| 2025 | 99 | 64 | 14.1% | 6.19% | #230 |
What First-Citizens Bank & Trust lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 17 | 12 | 3 | 17.6% |
| Arapahoe County | 13 | 7 | 1 | 7.7% |
| Boulder County | 10 | 4 | 3 | 30.0% |
| Adams County | 8 | 4 | 1 | 12.5% |
| Jefferson County | 8 | 6 | 2 | 25.0% |
| El Paso County | 8 | 6 | 1 | 12.5% |
| Eagle County | 4 | 2 | 1 | 25.0% |
| Douglas County | 4 | 4 | 0 | 0.0% |
| Elbert County | 4 | 3 | 0 | 0.0% |
| Gunnison County | 3 | 3 | 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: 99 applications in 2025, of which 64 were originated and 14 denied.
14.1% of all applications, or 17.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First-Citizens Bank & Trust originated in Colorado in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens Bank & Trust'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