Mountain Valley Bank in Colorado vs the state
4.4%Denial rate-11.22 pts vs state
5.7%Decision denial rate-14.00 pts vs state
72.1%Origination rate+12.04 pts vs state
—Median rate
—Rate spread (pts)
$131kMedian applicant income
49Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 79 | 3.4% | — | #222 |
| 2024 | 85 | 64 | 4.7% | — | #238 |
| 2025 | 68 | 49 | 4.4% | — | #269 |
What Mountain Valley Bank lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most Mountain Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Routt County | 28 | 20 | 2 | 7.1% |
| Rio Blanco County | 10 | 10 | 0 | 0.0% |
| Weld County | 8 | 5 | 1 | 12.5% |
| Larimer County | 6 | 1 | 0 | 0.0% |
| Moffat County | 3 | 3 | 0 | 0.0% |
| Jackson County | 3 | 3 | 0 | 0.0% |
| Garfield County | 2 | 1 | 0 | 0.0% |
| Boulder County | 2 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
| Custer 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: 68 applications in 2025, of which 49 were originated and 3 denied.
4.4% of all applications, or 5.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Mountain Valley 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