Keystone Funding in Colorado vs the state
2.3%Denial rate-13.33 pts vs state
2.3%Decision denial rate-17.36 pts vs state
80.3%Origination rate+20.28 pts vs state
6.25%Median rate-0.38 pts vs state
0.02Rate spread (pts)-0.13 pts vs state
$152kMedian applicant income
489Loans originated
14Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 24 | 0.0% | 6.50% | #341 |
| 2024 | 361 | 300 | 1.4% | 6.38% | #118 |
| 2025 | 609 | 489 | 2.3% | 6.25% | #93 |
What Keystone Funding lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 126 | 104 | 3 | 2.4% |
| Denver County | 90 | 71 | 4 | 4.4% |
| Arapahoe County | 82 | 59 | 1 | 1.2% |
| Douglas County | 56 | 50 | 0 | 0.0% |
| Larimer County | 53 | 40 | 1 | 1.9% |
| Adams County | 42 | 37 | 0 | 0.0% |
| El Paso County | 39 | 31 | 1 | 2.6% |
| Weld County | 31 | 22 | 1 | 3.2% |
| Boulder County | 28 | 24 | 0 | 0.0% |
| Broomfield County | 6 | 4 | 1 | 16.7% |
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: 609 applications in 2025, of which 489 were originated and 14 denied.
2.3% of all applications, or 2.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Keystone Funding originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Keystone Funding'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