FMS Bank in Colorado vs the state
5.4%Denial rate-10.27 pts vs state
5.7%Decision denial rate-14.00 pts vs state
80.4%Origination rate+20.34 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
45Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 31 | 0.0% | — | #346 |
| 2024 | 51 | 46 | 2.0% | — | #285 |
| 2025 | 56 | 45 | 5.4% | — | #291 |
What FMS Bank lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most FMS Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morgan County | 26 | 16 | 3 | 11.5% |
| Weld County | 22 | 21 | 0 | 0.0% |
| Larimer County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Routt County | 1 | 1 | 0 | 0.0% |
| Mesa County | 1 | 1 | 0 | 0.0% |
| Grand 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: 56 applications in 2025, of which 45 were originated and 3 denied.
5.4% of all applications, or 5.7% 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 FMS 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