Gateway First Bank in Colorado vs the state
1.5%Denial rate-14.13 pts vs state
2.1%Decision denial rate-17.61 pts vs state
70.4%Origination rate+10.39 pts vs state
6.50%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.04 pts vs state
$117kMedian applicant income
188Loans originated
4Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 150 | 5.0% | 6.63% | #154 |
| 2024 | 242 | 162 | 2.1% | 6.75% | #143 |
| 2025 | 267 | 188 | 1.5% | 6.50% | #155 |
What Gateway First Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 125 | 87 | 1 | 0.8% |
| Larimer County | 78 | 57 | 2 | 2.6% |
| Adams County | 12 | 11 | 0 | 0.0% |
| Gunnison County | 6 | 4 | 1 | 16.7% |
| El Paso County | 6 | 4 | 0 | 0.0% |
| Boulder County | 6 | 4 | 0 | 0.0% |
| Arapahoe County | 5 | 2 | 0 | 0.0% |
| Pueblo County | 4 | 3 | 0 | 0.0% |
| Logan County | 3 | 0 | 0 | 0.0% |
| Denver County | 3 | 2 | 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: 267 applications in 2025, of which 188 were originated and 4 denied.
1.5% of all applications, or 2.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Gateway First Bank originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Gateway First 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