Nations Direct Mortgage in Colorado vs the state
16.7%Denial rate+1.04 pts vs state
25.0%Decision denial rate+5.34 pts vs state
50.0%Origination rate-10.02 pts vs state
6.75%Median rate+0.13 pts vs state
-0.07Rate spread (pts)-0.22 pts vs state
$137kMedian applicant income
27Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 64 | 10.5% | 6.93% | #198 |
| 2024 | 76 | 42 | 11.8% | 6.75% | #253 |
| 2025 | 54 | 27 | 16.7% | 6.75% | #296 |
What Nations Direct Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 11 | 5 | 1 | 9.1% |
| Denver County | 7 | 2 | 2 | 28.6% |
| Larimer County | 6 | 4 | 0 | 0.0% |
| Douglas County | 4 | 1 | 2 | 50.0% |
| Weld County | 4 | 1 | 2 | 50.0% |
| Adams County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 1 | 50.0% |
| Pueblo County | 2 | 1 | 0 | 0.0% |
| Boulder County | 2 | 1 | 0 | 0.0% |
| Arapahoe County | 2 | 2 | 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: 54 applications in 2025, of which 27 were originated and 9 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Nations Direct Mortgage originated in Colorado in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage'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