Guaranteed Rate in Colorado vs the state
3.7%Denial rate-11.91 pts vs state
6.1%Decision denial rate-13.56 pts vs state
56.1%Origination rate-3.95 pts vs state
6.45%Median rate-0.17 pts vs state
0.05Rate spread (pts)-0.10 pts vs state
$127kMedian applicant income
2,143Loans originated
142Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,766 | 1,541 | 2.4% | 6.50% | #16 |
| 2024 | 2,491 | 1,596 | 3.9% | 6.55% | #22 |
| 2025 | 3,822 | 2,143 | 3.7% | 6.45% | #13 |
What Guaranteed Rate lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 889 | 525 | 18 | 2.0% |
| Denver County | 401 | 229 | 16 | 4.0% |
| Arapahoe County | 362 | 205 | 10 | 2.8% |
| Jefferson County | 351 | 185 | 16 | 4.6% |
| Adams County | 299 | 165 | 21 | 7.0% |
| Weld County | 271 | 166 | 4 | 1.5% |
| Larimer County | 214 | 129 | 7 | 3.3% |
| Douglas County | 202 | 118 | 6 | 3.0% |
| Pueblo County | 95 | 49 | 3 | 3.2% |
| Boulder County | 93 | 43 | 2 | 2.2% |
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: 3,822 applications in 2025, of which 2,143 were originated and 142 denied.
3.7% of all applications, or 6.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Guaranteed Rate originated in Colorado in 2025 was 6.45%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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