First National Bank in Colorado vs the state
7.7%Denial rate-7.94 pts vs state
9.3%Decision denial rate-10.36 pts vs state
75.0%Origination rate+14.98 pts vs state
—Median rate
—Rate spread (pts)
$158kMedian applicant income
39Loans originated
4Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 31 | 5.1% | 7.50% | #319 |
| 2024 | 30 | 22 | 6.7% | — | #357 |
| 2025 | 52 | 39 | 7.7% | — | #298 |
What First National Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 23 | 16 | 3 | 13.0% |
| Larimer County | 15 | 11 | 1 | 6.7% |
| Arapahoe County | 3 | 3 | 0 | 0.0% |
| Douglas County | 3 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Teller County | 1 | 1 | 0 | 0.0% |
| Boulder County | 1 | 1 | 0 | 0.0% |
| Routt County | 1 | 0 | 0 | 0.0% |
| El Paso County | 1 | 1 | 0 | 0.0% |
| Denver 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: 52 applications in 2025, of which 39 were originated and 4 denied.
7.7% of all applications, or 9.3% 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'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