Homeamerican Mortgage in Colorado vs the state
8.3%Denial rate-7.33 pts vs state
9.5%Decision denial rate-10.17 pts vs state
78.8%Origination rate+18.81 pts vs state
4.50%Median rate-2.13 pts vs state
-1.87Rate spread (pts)-2.02 pts vs state
$142kMedian applicant income
1,121Loans originated
118Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,666 | 1,138 | 10.7% | 5.50% | #36 |
| 2024 | 1,648 | 1,272 | 10.1% | 5.25% | #37 |
| 2025 | 1,422 | 1,121 | 8.3% | 4.50% | #43 |
What Homeamerican Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 459 | 337 | 55 | 12.0% |
| El Paso County | 237 | 180 | 25 | 10.5% |
| Weld County | 196 | 163 | 6 | 3.1% |
| Douglas County | 192 | 163 | 8 | 4.2% |
| Larimer County | 109 | 88 | 7 | 6.4% |
| Arapahoe County | 92 | 77 | 7 | 7.6% |
| Boulder County | 80 | 67 | 6 | 7.5% |
| Elbert County | 32 | 27 | 3 | 9.4% |
| Pueblo County | 18 | 14 | 0 | 0.0% |
| Jefferson County | 7 | 5 | 1 | 14.3% |
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: 1,422 applications in 2025, of which 1,121 were originated and 118 denied.
8.3% of all applications, or 9.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Homeamerican Mortgage originated in Colorado in 2025 was 4.50%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican 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