Hometown Equity Mortgage in Colorado vs the state
44.0%Denial rate+28.41 pts vs state
45.5%Decision denial rate+25.79 pts vs state
50.8%Origination rate-9.24 pts vs state
7.25%Median rate+0.63 pts vs state
1.05Rate spread (pts)+0.90 pts vs state
$153kMedian applicant income
98Loans originated
85Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 37 | 41.8% | 8.50% | #233 |
| 2024 | 125 | 59 | 50.4% | 7.75% | #197 |
| 2025 | 193 | 98 | 44.0% | 7.25% | #184 |
What Hometown Equity Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 28 | 17 | 10 | 35.7% |
| Arapahoe County | 25 | 11 | 13 | 52.0% |
| Denver County | 22 | 12 | 9 | 40.9% |
| Adams County | 16 | 7 | 9 | 56.3% |
| Jefferson County | 15 | 6 | 6 | 40.0% |
| Douglas County | 12 | 3 | 8 | 66.7% |
| Boulder County | 10 | 7 | 3 | 30.0% |
| Pueblo County | 8 | 2 | 5 | 62.5% |
| Larimer County | 6 | 3 | 3 | 50.0% |
| Eagle County | 6 | 3 | 3 | 50.0% |
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: 193 applications in 2025, of which 98 were originated and 85 denied.
44.0% of all applications, or 45.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Hometown Equity Mortgage originated in Colorado in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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