Freedom Mortgage in Colorado vs the state
6.2%Denial rate-9.42 pts vs state
10.5%Decision denial rate-9.20 pts vs state
45.0%Origination rate-15.02 pts vs state
5.88%Median rate-0.75 pts vs state
-0.18Rate spread (pts)-0.33 pts vs state
$120kMedian applicant income
1,594Loans originated
220Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 921 | 411 | 13.1% | 6.50% | #66 |
| 2024 | 2,664 | 1,345 | 8.2% | 6.13% | #21 |
| 2025 | 3,542 | 1,594 | 6.2% | 5.88% | #15 |
What Freedom Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 1,007 | 492 | 49 | 4.9% |
| Arapahoe County | 329 | 145 | 20 | 6.1% |
| Adams County | 326 | 152 | 28 | 8.6% |
| Jefferson County | 252 | 107 | 14 | 5.6% |
| Weld County | 248 | 115 | 19 | 7.7% |
| Douglas County | 208 | 99 | 16 | 7.7% |
| Denver County | 198 | 75 | 13 | 6.6% |
| Pueblo County | 153 | 79 | 5 | 3.3% |
| Larimer County | 138 | 64 | 8 | 5.8% |
| Mesa County | 125 | 49 | 7 | 5.6% |
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: 3,542 applications in 2025, of which 1,594 were originated and 220 denied.
6.2% of all applications, or 10.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Freedom Mortgage originated in Colorado in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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