First National Bank Colorado in Colorado vs the state
13.8%Denial rate-1.88 pts vs state
14.7%Decision denial rate-4.99 pts vs state
80.0%Origination rate+19.98 pts vs state
—Median rate
—Rate spread (pts)
$85kMedian applicant income
64Loans originated
11Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 53 | 15.7% | — | #246 |
| 2024 | 89 | 68 | 14.6% | — | #232 |
| 2025 | 80 | 64 | 13.8% | — | #247 |
What First National Bank Colorado lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First National Bank Colorado applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Otero County | 47 | 42 | 4 | 8.5% |
| Bent County | 7 | 5 | 2 | 28.6% |
| El Paso County | 6 | 4 | 1 | 16.7% |
| Crowley County | 5 | 1 | 3 | 60.0% |
| Pueblo County | 3 | 2 | 0 | 0.0% |
| Baca County | 2 | 2 | 0 | 0.0% |
| Prowers County | 2 | 2 | 0 | 0.0% |
| Fremont County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Arapahoe 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: 80 applications in 2025, of which 64 were originated and 11 denied.
13.8% of all applications, or 14.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First National Bank Colorado'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