Homexpress Mortgage in Colorado vs the state
43.9%Denial rate+28.24 pts vs state
44.1%Decision denial rate+24.42 pts vs state
54.7%Origination rate-5.30 pts vs state
7.25%Median rate+0.63 pts vs state
0.92Rate spread (pts)+0.77 pts vs state
$232kMedian applicant income
116Loans originated
93Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 81 | 39.0% | 8.63% | #187 |
| 2024 | 185 | 106 | 40.0% | 7.75% | #166 |
| 2025 | 212 | 116 | 43.9% | 7.25% | #178 |
What Homexpress Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 30 | 13 | 16 | 53.3% |
| El Paso County | 25 | 19 | 6 | 24.0% |
| Jefferson County | 20 | 7 | 13 | 65.0% |
| Arapahoe County | 18 | 9 | 9 | 50.0% |
| Boulder County | 12 | 5 | 7 | 58.3% |
| Douglas County | 10 | 6 | 3 | 30.0% |
| Larimer County | 10 | 10 | 0 | 0.0% |
| Pueblo County | 10 | 5 | 5 | 50.0% |
| Mesa County | 10 | 7 | 3 | 30.0% |
| Adams County | 9 | 3 | 6 | 66.7% |
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: 212 applications in 2025, of which 116 were originated and 93 denied.
43.9% of all applications, or 44.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Homexpress Mortgage originated in Colorado in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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