Liberty in Colorado vs the state
6.8%Denial rate-8.83 pts vs state
8.2%Decision denial rate-11.47 pts vs state
74.8%Origination rate+14.74 pts vs state
6.44%Median rate-0.19 pts vs state
0.21Rate spread (pts)+0.05 pts vs state
$284kMedian applicant income
154Loans originated
14Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 8 | 0.0% | 7.19% | #492 |
| 2024 | 10 | 4 | 10.0% | 8.38% | #499 |
| 2025 | 206 | 154 | 6.8% | 6.44% | #182 |
What Liberty lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 47 | 36 | 3 | 6.4% |
| Park County | 22 | 16 | 1 | 4.5% |
| Denver County | 21 | 16 | 0 | 0.0% |
| Douglas County | 19 | 15 | 2 | 10.5% |
| Jefferson County | 15 | 11 | 2 | 13.3% |
| Arapahoe County | 11 | 8 | 1 | 9.1% |
| Mesa County | 7 | 4 | 1 | 14.3% |
| Larimer County | 7 | 5 | 0 | 0.0% |
| Weld County | 6 | 4 | 1 | 16.7% |
| Boulder County | 6 | 5 | 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: 206 applications in 2025, of which 154 were originated and 14 denied.
6.8% of all applications, or 8.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Liberty originated in Colorado in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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