First Community Mortgage in Colorado vs the state
8.6%Denial rate-7.03 pts vs state
9.9%Decision denial rate-9.78 pts vs state
72.0%Origination rate+12.02 pts vs state
6.63%Median rate0.00 pts vs state
0.01Rate spread (pts)-0.14 pts vs state
$154kMedian applicant income
67Loans originated
8Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 12 | 12.5% | 6.50% | #441 |
| 2024 | 36 | 24 | 13.9% | 6.99% | #334 |
| 2025 | 93 | 67 | 8.6% | 6.63% | #234 |
What First Community Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 17 | 13 | 1 | 5.9% |
| Adams County | 8 | 4 | 3 | 37.5% |
| Denver County | 8 | 6 | 1 | 12.5% |
| Arapahoe County | 8 | 4 | 0 | 0.0% |
| Weld County | 8 | 7 | 0 | 0.0% |
| Douglas County | 7 | 6 | 0 | 0.0% |
| Montrose County | 6 | 4 | 1 | 16.7% |
| El Paso County | 6 | 5 | 0 | 0.0% |
| Jefferson County | 5 | 3 | 0 | 0.0% |
| Boulder County | 5 | 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: 93 applications in 2025, of which 67 were originated and 8 denied.
8.6% of all applications, or 9.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First Community Mortgage originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Community Mortgage'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