Heritage Bank in Colorado vs the state
0.0%Denial rate-15.63 pts vs state
0.0%Decision denial rate-19.66 pts vs state
14.3%Origination rate-45.73 pts vs state
—Median rate
—Rate spread (pts)
$600kMedian applicant income
1Loans originated
0Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 9 | 0.0% | 5.88% | #516 |
| 2024 | 6 | 5 | 16.7% | — | #561 |
| 2025 | 7 | 1 | 0.0% | — | #570 |
What Heritage Bank lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 2 | 0 | 0 | 0.0% |
| Denver County | 2 | 0 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Montezuma County | 1 | 0 | 0 | 0.0% |
| Mesa County | 1 | 0 | 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: 7 applications in 2025, of which 1 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage 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