Mortgage Research Center in Colorado vs the state
20.4%Denial rate+4.78 pts vs state
33.2%Decision denial rate+13.52 pts vs state
40.6%Origination rate-19.41 pts vs state
5.99%Median rate-0.63 pts vs state
-0.48Rate spread (pts)-0.63 pts vs state
$110kMedian applicant income
1,301Loans originated
654Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,053 | 956 | 16.3% | 6.63% | #26 |
| 2024 | 2,469 | 1,198 | 14.8% | 6.25% | #23 |
| 2025 | 3,204 | 1,301 | 20.4% | 5.99% | #18 |
What Mortgage Research Center lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 1,138 | 465 | 246 | 21.6% |
| Arapahoe County | 260 | 115 | 46 | 17.7% |
| Pueblo County | 223 | 98 | 42 | 18.8% |
| Weld County | 204 | 83 | 42 | 20.6% |
| Adams County | 195 | 65 | 50 | 25.6% |
| Jefferson County | 142 | 48 | 24 | 16.9% |
| Douglas County | 141 | 61 | 29 | 20.6% |
| Larimer County | 126 | 43 | 24 | 19.0% |
| Mesa County | 119 | 55 | 19 | 16.0% |
| Denver County | 112 | 57 | 19 | 17.0% |
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: 3,204 applications in 2025, of which 1,301 were originated and 654 denied.
20.4% of all applications, or 33.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Mortgage Research Center originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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