MidWestOne Bank in Colorado vs the state
30.8%Denial rate+15.14 pts vs state
34.0%Decision denial rate+14.38 pts vs state
55.8%Origination rate-4.25 pts vs state
5.99%Median rate-0.63 pts vs state
-1.21Rate spread (pts)-1.36 pts vs state
$150kMedian applicant income
29Loans originated
16Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 16 | 15.8% | 5.99% | #408 |
| 2024 | 52 | 30 | 38.5% | 6.99% | #284 |
| 2025 | 52 | 29 | 30.8% | 5.99% | #301 |
What MidWestOne Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most MidWestOne Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 15 | 7 | 6 | 40.0% |
| Denver County | 13 | 7 | 4 | 30.8% |
| Adams County | 7 | 4 | 2 | 28.6% |
| Jefferson County | 4 | 3 | 1 | 25.0% |
| Summit County | 3 | 1 | 2 | 66.7% |
| Huerfano County | 3 | 2 | 0 | 0.0% |
| El Paso County | 2 | 1 | 0 | 0.0% |
| Eagle County | 2 | 2 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Pitkin County | 1 | 1 | 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: 52 applications in 2025, of which 29 were originated and 16 denied.
30.8% of all applications, or 34.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans MidWestOne Bank originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are MidWestOne 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