Megastar Financial in Colorado vs the state
1.5%Denial rate-14.12 pts vs state
2.1%Decision denial rate-17.59 pts vs state
71.2%Origination rate+11.21 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.06 pts vs state
$150kMedian applicant income
520Loans originated
11Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 679 | 521 | 0.6% | 6.75% | #77 |
| 2024 | 638 | 442 | 0.9% | 6.63% | #84 |
| 2025 | 730 | 520 | 1.5% | 6.50% | #80 |
What Megastar Financial lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Megastar Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 137 | 93 | 1 | 0.7% |
| Arapahoe County | 88 | 59 | 3 | 3.4% |
| Jefferson County | 88 | 67 | 2 | 2.3% |
| Larimer County | 77 | 57 | 1 | 1.3% |
| Weld County | 76 | 57 | 0 | 0.0% |
| Adams County | 72 | 48 | 2 | 2.8% |
| Douglas County | 60 | 46 | 0 | 0.0% |
| Summit County | 33 | 22 | 0 | 0.0% |
| El Paso County | 13 | 8 | 0 | 0.0% |
| Broomfield County | 12 | 8 | 1 | 8.3% |
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: 730 applications in 2025, of which 520 were originated and 11 denied.
1.5% of all applications, or 2.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Megastar Financial originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Megastar Financial'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