Florida Capital Bank in Colorado vs the state
8.3%Denial rate-7.30 pts vs state
8.3%Decision denial rate-11.33 pts vs state
91.7%Origination rate+31.65 pts vs state
6.49%Median rate-0.13 pts vs state
0.10Rate spread (pts)-0.05 pts vs state
$191kMedian applicant income
11Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 11 | 6.3% | 6.63% | #437 |
| 2024 | 27 | 21 | 7.4% | 6.88% | #367 |
| 2025 | 12 | 11 | 8.3% | 6.49% | #475 |
What Florida Capital Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Archuleta County | 2 | 2 | 0 | 0.0% |
| Arapahoe County | 2 | 2 | 0 | 0.0% |
| Weld County | 2 | 2 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 0 | 1 | 100.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Boulder County | 1 | 1 | 0 | 0.0% |
| Larimer County | 1 | 1 | 0 | 0.0% |
| Jefferson 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: 12 applications in 2025, of which 11 were originated and 1 denied.
8.3% of all applications, or 8.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Florida Capital Bank originated in Colorado in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Florida Capital 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