MidFirst Bank in Colorado vs the state
4.7%Denial rate-10.89 pts vs state
5.3%Decision denial rate-14.33 pts vs state
80.0%Origination rate+19.98 pts vs state
6.57%Median rate-0.05 pts vs state
-0.23Rate spread (pts)-0.38 pts vs state
$299kMedian applicant income
152Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 108 | 8.4% | 6.95% | #192 |
| 2024 | 92 | 75 | 6.5% | 7.62% | #227 |
| 2025 | 190 | 152 | 4.7% | 6.57% | #185 |
What MidFirst Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 82 | 67 | 3 | 3.7% |
| Boulder County | 19 | 15 | 1 | 5.3% |
| Arapahoe County | 18 | 16 | 2 | 11.1% |
| Eagle County | 17 | 10 | 1 | 5.9% |
| Jefferson County | 14 | 13 | 0 | 0.0% |
| El Paso County | 7 | 4 | 1 | 14.3% |
| Pitkin County | 6 | 4 | 0 | 0.0% |
| Douglas County | 6 | 6 | 0 | 0.0% |
| Adams County | 6 | 4 | 0 | 0.0% |
| Larimer County | 5 | 4 | 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: 190 applications in 2025, of which 152 were originated and 9 denied.
4.7% of all applications, or 5.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans MidFirst Bank originated in Colorado in 2025 was 6.57%, against a statewide median of 6.63%.
About this data. Figures are MidFirst Bank'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