High Country Bank in Colorado vs the state
5.5%Denial rate-10.15 pts vs state
6.4%Decision denial rate-13.28 pts vs state
80.4%Origination rate+20.35 pts vs state
6.25%Median rate-0.38 pts vs state
-0.43Rate spread (pts)-0.58 pts vs state
$140kMedian applicant income
176Loans originated
12Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 208 | 2.4% | 6.13% | #145 |
| 2024 | 237 | 173 | 7.6% | 6.25% | #149 |
| 2025 | 219 | 176 | 5.5% | 6.25% | #173 |
What High Country Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most High Country Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chaffee County | 149 | 120 | 7 | 4.7% |
| Fremont County | 41 | 35 | 3 | 7.3% |
| Lake County | 9 | 5 | 2 | 22.2% |
| Park County | 5 | 4 | 0 | 0.0% |
| Boulder County | 4 | 3 | 0 | 0.0% |
| Teller County | 2 | 2 | 0 | 0.0% |
| Custer County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Gunnison 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: 219 applications in 2025, of which 176 were originated and 12 denied.
5.5% of all applications, or 6.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans High Country Bank originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are High Country 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