First National Bank of Omaha in Colorado vs the state
30.0%Denial rate+14.39 pts vs state
35.4%Decision denial rate+15.74 pts vs state
53.2%Origination rate-6.82 pts vs state
7.49%Median rate+0.87 pts vs state
0.50Rate spread (pts)+0.35 pts vs state
$116kMedian applicant income
466Loans originated
263Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,477 | 955 | 19.8% | 7.49% | #42 |
| 2024 | 978 | 575 | 24.4% | 7.99% | #56 |
| 2025 | 876 | 466 | 30.0% | 7.49% | #68 |
What First National Bank of Omaha 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 Omaha applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 393 | 232 | 101 | 25.7% |
| Weld County | 283 | 131 | 104 | 36.7% |
| Boulder County | 70 | 38 | 19 | 27.1% |
| Adams County | 51 | 27 | 15 | 29.4% |
| Denver County | 15 | 5 | 8 | 53.3% |
| Broomfield County | 13 | 6 | 3 | 23.1% |
| El Paso County | 9 | 3 | 2 | 22.2% |
| Arapahoe County | 8 | 6 | 1 | 12.5% |
| Jefferson County | 8 | 4 | 3 | 37.5% |
| Grand County | 7 | 3 | 2 | 28.6% |
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: 876 applications in 2025, of which 466 were originated and 263 denied.
30.0% of all applications, or 35.4% 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 Omaha originated in Colorado in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Omaha'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