First National Bank of America in Colorado vs the state
9.6%Denial rate-6.01 pts vs state
12.5%Decision denial rate-7.16 pts vs state
66.4%Origination rate+6.33 pts vs state
8.75%Median rate+2.13 pts vs state
2.56Rate spread (pts)+2.41 pts vs state
$173kMedian applicant income
69Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 67 | 15.0% | 9.75% | #205 |
| 2024 | 121 | 76 | 14.9% | 9.24% | #202 |
| 2025 | 104 | 69 | 9.6% | 8.75% | #225 |
What First National Bank of America lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 20 | 15 | 1 | 5.0% |
| Weld County | 17 | 14 | 1 | 5.9% |
| Arapahoe County | 17 | 11 | 0 | 0.0% |
| Denver County | 12 | 5 | 3 | 25.0% |
| Mesa County | 5 | 2 | 3 | 60.0% |
| El Paso County | 5 | 3 | 0 | 0.0% |
| Larimer County | 4 | 4 | 0 | 0.0% |
| Delta County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Summit County | 3 | 2 | 1 | 33.3% |
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: 104 applications in 2025, of which 69 were originated and 10 denied.
9.6% of all applications, or 12.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First National Bank of America originated in Colorado in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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