Home Mortgage Alliance Corporation (HMAC) in Colorado vs the state
36.0%Denial rate+20.37 pts vs state
56.3%Decision denial rate+36.59 pts vs state
28.0%Origination rate-32.02 pts vs state
8.75%Median rate+2.13 pts vs state
0.66Rate spread (pts)+0.51 pts vs state
$233kMedian applicant income
7Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 30 | 10.7% | 9.88% | #271 |
| 2024 | 50 | 22 | 2.0% | 9.06% | #290 |
| 2025 | 25 | 7 | 36.0% | 8.75% | #395 |
What Home Mortgage Alliance Corporation (HMAC) lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 6 | 1 | 2 | 33.3% |
| El Paso County | 3 | 2 | 1 | 33.3% |
| Montrose County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Douglas County | 2 | 0 | 2 | 100.0% |
| Arapahoe County | 2 | 1 | 0 | 0.0% |
| Elbert County | 1 | 0 | 1 | 100.0% |
| Teller County | 1 | 0 | 1 | 100.0% |
| Pueblo County | 1 | 0 | 0 | 0.0% |
| Boulder 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: 25 applications in 2025, of which 7 were originated and 9 denied.
36.0% of all applications, or 56.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Colorado in 2025 was 8.75%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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