Golden Empire Mortgage in Colorado vs the state
5.6%Denial rate-10.06 pts vs state
6.6%Decision denial rate-13.06 pts vs state
78.9%Origination rate+18.87 pts vs state
6.38%Median rate-0.25 pts vs state
0.16Rate spread (pts)+0.01 pts vs state
$102kMedian applicant income
269Loans originated
19Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 7 | 4 | 0.0% | 6.56% | #541 |
| 2025 | 341 | 269 | 5.6% | 6.38% | #136 |
What Golden Empire Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Golden Empire Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 52 | 42 | 2 | 3.8% |
| Arapahoe County | 45 | 37 | 3 | 6.7% |
| Denver County | 43 | 34 | 5 | 11.6% |
| El Paso County | 41 | 37 | 1 | 2.4% |
| Adams County | 41 | 32 | 1 | 2.4% |
| Jefferson County | 21 | 16 | 0 | 0.0% |
| Pueblo County | 20 | 15 | 3 | 15.0% |
| Morgan County | 10 | 7 | 0 | 0.0% |
| Fremont County | 9 | 5 | 1 | 11.1% |
| Douglas County | 8 | 8 | 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: 341 applications in 2025, of which 269 were originated and 19 denied.
5.6% of all applications, or 6.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Golden Empire Mortgage originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Golden Empire 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