Flat Branch Mortgage in Colorado vs the state
0.3%Denial rate-15.37 pts vs state
0.3%Decision denial rate-19.34 pts vs state
79.3%Origination rate+19.32 pts vs state
6.25%Median rate-0.38 pts vs state
-0.02Rate spread (pts)-0.17 pts vs state
$110kMedian applicant income
311Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 21 | 0.0% | 6.75% | #359 |
| 2024 | 216 | 167 | 0.0% | 6.25% | #156 |
| 2025 | 392 | 311 | 0.3% | 6.25% | #125 |
What Flat Branch Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 266 | 211 | 0 | 0.0% |
| Pueblo County | 32 | 24 | 1 | 3.1% |
| Larimer County | 24 | 20 | 0 | 0.0% |
| Boulder County | 12 | 9 | 0 | 0.0% |
| Weld County | 9 | 7 | 0 | 0.0% |
| Douglas County | 7 | 5 | 0 | 0.0% |
| Arapahoe County | 6 | 5 | 0 | 0.0% |
| Alamosa County | 5 | 5 | 0 | 0.0% |
| Teller County | 4 | 3 | 0 | 0.0% |
| Jefferson County | 4 | 3 | 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: 392 applications in 2025, of which 311 were originated and 1 denied.
0.3% of all applications, or 0.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Flat Branch Mortgage originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Flat Branch Mortgage'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