First United Bank and Trust in Colorado vs the state
5.9%Denial rate-9.75 pts vs state
10.0%Decision denial rate-9.66 pts vs state
52.9%Origination rate-7.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$208kMedian applicant income
9Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 13 | 4.2% | 6.88% | #374 |
| 2024 | 25 | 17 | 4.0% | 6.88% | #377 |
| 2025 | 17 | 9 | 5.9% | 6.50% | #430 |
What First United Bank and Trust lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 3 | 1 | 0 | 0.0% |
| Summit County | 3 | 0 | 0 | 0.0% |
| Routt County | 2 | 1 | 0 | 0.0% |
| El Paso County | 2 | 2 | 0 | 0.0% |
| Larimer County | 2 | 2 | 0 | 0.0% |
| La Plata County | 1 | 1 | 0 | 0.0% |
| Ouray County | 1 | 0 | 0 | 0.0% |
| Custer County | 1 | 0 | 1 | 100.0% |
| Teller County | 1 | 1 | 0 | 0.0% |
| Douglas 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: 17 applications in 2025, of which 9 were originated and 1 denied.
5.9% of all applications, or 10.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First United Bank and Trust originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and Trust'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