Highlands Residential Mortgage in Colorado vs the state
1.3%Denial rate-14.30 pts vs state
1.5%Decision denial rate-18.18 pts vs state
84.0%Origination rate+23.98 pts vs state
6.75%Median rate+0.13 pts vs state
0.26Rate spread (pts)+0.11 pts vs state
$190kMedian applicant income
126Loans originated
2Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 152 | 4.8% | 6.75% | #150 |
| 2024 | 197 | 149 | 2.5% | 6.99% | #163 |
| 2025 | 150 | 126 | 1.3% | 6.75% | #200 |
What Highlands Residential Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 29 | 26 | 1 | 3.4% |
| Arapahoe County | 23 | 22 | 0 | 0.0% |
| Douglas County | 22 | 22 | 0 | 0.0% |
| Denver County | 21 | 16 | 1 | 4.8% |
| Boulder County | 14 | 10 | 0 | 0.0% |
| Larimer County | 7 | 5 | 0 | 0.0% |
| Adams County | 7 | 4 | 0 | 0.0% |
| Weld County | 4 | 3 | 0 | 0.0% |
| La Plata County | 3 | 2 | 0 | 0.0% |
| Summit County | 2 | 1 | 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: 150 applications in 2025, of which 126 were originated and 2 denied.
1.3% of all applications, or 1.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Highlands Residential Mortgage originated in Colorado in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential Mortgage'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