First Federal Bank in Colorado vs the state
7.3%Denial rate-8.33 pts vs state
12.4%Decision denial rate-7.31 pts vs state
51.1%Origination rate-8.93 pts vs state
6.06%Median rate-0.56 pts vs state
-0.44Rate spread (pts)-0.59 pts vs state
$182kMedian applicant income
70Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 27 | 2.4% | 6.50% | #314 |
| 2024 | 95 | 55 | 6.3% | 6.00% | #224 |
| 2025 | 137 | 70 | 7.3% | 6.06% | #205 |
What First Federal Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 29 | 17 | 1 | 3.4% |
| Denver County | 20 | 10 | 2 | 10.0% |
| Douglas County | 13 | 7 | 1 | 7.7% |
| Arapahoe County | 13 | 3 | 1 | 7.7% |
| Boulder County | 12 | 6 | 2 | 16.7% |
| Larimer County | 8 | 4 | 0 | 0.0% |
| Adams County | 7 | 3 | 1 | 14.3% |
| Weld County | 7 | 7 | 0 | 0.0% |
| La Plata County | 5 | 1 | 1 | 20.0% |
| Jefferson County | 4 | 2 | 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: 137 applications in 2025, of which 70 were originated and 10 denied.
7.3% of all applications, or 12.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First Federal Bank originated in Colorado in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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