Harmony Home Lending in Colorado vs the state
0.8%Denial rate-14.83 pts vs state
1.0%Decision denial rate-18.64 pts vs state
77.6%Origination rate+17.58 pts vs state
5.75%Median rate-0.88 pts vs state
-0.80Rate spread (pts)-0.95 pts vs state
$134kMedian applicant income
97Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 148 | 1.6% | 5.63% | #163 |
| 2024 | 143 | 115 | 0.7% | 5.75% | #190 |
| 2025 | 125 | 97 | 0.8% | 5.75% | #210 |
What Harmony Home Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Harmony Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 83 | 66 | 1 | 1.2% |
| Weld County | 42 | 31 | 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: 125 applications in 2025, of which 97 were originated and 1 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Harmony Home Lending originated in Colorado in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Harmony Home Lending'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