Kinecta in Colorado vs the state
6.3%Denial rate-9.38 pts vs state
10.0%Decision denial rate-9.66 pts vs state
56.3%Origination rate-3.77 pts vs state
6.99%Median rate+0.37 pts vs state
0.93Rate spread (pts)+0.78 pts vs state
$104kMedian applicant income
9Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 15 | 19.1% | 7.38% | #389 |
| 2024 | 17 | 17 | 0.0% | 6.99% | #421 |
| 2025 | 16 | 9 | 6.3% | 6.99% | #437 |
What Kinecta lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 3 | 2 | 0 | 0.0% |
| Denver County | 2 | 2 | 0 | 0.0% |
| Adams County | 2 | 1 | 0 | 0.0% |
| Weld County | 1 | 0 | 1 | 100.0% |
| Boulder County | 1 | 0 | 0 | 0.0% |
| La Plata County | 1 | 0 | 0 | 0.0% |
| Mesa County | 1 | 1 | 0 | 0.0% |
| Arapahoe County | 1 | 1 | 0 | 0.0% |
| Huerfano County | 1 | 1 | 0 | 0.0% |
| Broomfield County | 1 | 0 | 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: 16 applications in 2025, of which 9 were originated and 1 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Kinecta originated in Colorado in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Kinecta'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