Inspire Home Loans in Colorado vs the state
6.4%Denial rate-9.20 pts vs state
6.7%Decision denial rate-12.92 pts vs state
83.3%Origination rate+23.28 pts vs state
4.88%Median rate-1.75 pts vs state
-1.02Rate spread (pts)-1.17 pts vs state
$145kMedian applicant income
479Loans originated
37Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 590 | 456 | 7.3% | 5.50% | #85 |
| 2024 | 709 | 595 | 6.5% | 5.50% | #78 |
| 2025 | 575 | 479 | 6.4% | 4.88% | #98 |
What Inspire Home Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Inspire Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 153 | 131 | 7 | 4.6% |
| Adams County | 107 | 83 | 10 | 9.3% |
| Weld County | 106 | 89 | 6 | 5.7% |
| Boulder County | 72 | 63 | 4 | 5.6% |
| Broomfield County | 50 | 40 | 4 | 8.0% |
| Elbert County | 38 | 33 | 1 | 2.6% |
| Larimer County | 24 | 21 | 2 | 8.3% |
| El Paso County | 23 | 17 | 3 | 13.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Arapahoe County | 1 | 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: 575 applications in 2025, of which 479 were originated and 37 denied.
6.4% of all applications, or 6.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Inspire Home Loans originated in Colorado in 2025 was 4.88%, against a statewide median of 6.63%.
About this data. Figures are Inspire Home Loans'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