Kind Lending in Colorado vs the state
23.8%Denial rate+8.19 pts vs state
27.3%Decision denial rate+7.61 pts vs state
61.6%Origination rate+1.53 pts vs state
6.63%Median rate0.00 pts vs state
0.17Rate spread (pts)+0.02 pts vs state
$140kMedian applicant income
589Loans originated
228Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 155 | 24.0% | 6.50% | #143 |
| 2024 | 637 | 407 | 22.9% | 6.63% | #85 |
| 2025 | 957 | 589 | 23.8% | 6.63% | #62 |
What Kind Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 100 | 61 | 24 | 24.0% |
| Denver County | 97 | 71 | 23 | 23.7% |
| Arapahoe County | 96 | 57 | 21 | 21.9% |
| Larimer County | 94 | 57 | 22 | 23.4% |
| Weld County | 87 | 58 | 17 | 19.5% |
| Jefferson County | 74 | 52 | 11 | 14.9% |
| Adams County | 63 | 33 | 17 | 27.0% |
| Douglas County | 61 | 42 | 12 | 19.7% |
| Pueblo County | 48 | 32 | 9 | 18.8% |
| Boulder County | 44 | 24 | 10 | 22.7% |
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: 957 applications in 2025, of which 589 were originated and 228 denied.
23.8% of all applications, or 27.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Kind Lending originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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