Guaranteed Rate Affinity in Colorado vs the state
4.2%Denial rate-11.40 pts vs state
6.0%Decision denial rate-13.71 pts vs state
65.9%Origination rate+5.86 pts vs state
6.25%Median rate-0.38 pts vs state
0.09Rate spread (pts)-0.06 pts vs state
$150kMedian applicant income
529Loans originated
34Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 794 | 495 | 4.0% | 6.63% | #69 |
| 2024 | 585 | 421 | 3.8% | 6.63% | #89 |
| 2025 | 803 | 529 | 4.2% | 6.25% | #72 |
What Guaranteed Rate Affinity lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 122 | 72 | 14 | 11.5% |
| Denver County | 120 | 86 | 2 | 1.7% |
| El Paso County | 112 | 76 | 5 | 4.5% |
| Jefferson County | 111 | 70 | 2 | 1.8% |
| Douglas County | 85 | 54 | 5 | 5.9% |
| Larimer County | 66 | 46 | 1 | 1.5% |
| Adams County | 61 | 44 | 2 | 3.3% |
| Weld County | 41 | 32 | 1 | 2.4% |
| Boulder County | 25 | 14 | 1 | 4.0% |
| Elbert County | 10 | 7 | 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: 803 applications in 2025, of which 529 were originated and 34 denied.
4.2% of all applications, or 6.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Guaranteed Rate Affinity originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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