NBKC Bank in Colorado vs the state
7.2%Denial rate-8.47 pts vs state
10.7%Decision denial rate-8.98 pts vs state
59.0%Origination rate-0.99 pts vs state
6.13%Median rate-0.50 pts vs state
-0.24Rate spread (pts)-0.39 pts vs state
$182kMedian applicant income
206Loans originated
25Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 257 | 157 | 5.1% | 6.25% | #142 |
| 2024 | 365 | 224 | 7.7% | 6.13% | #117 |
| 2025 | 349 | 206 | 7.2% | 6.13% | #130 |
What NBKC Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 58 | 38 | 4 | 6.9% |
| El Paso County | 53 | 32 | 3 | 5.7% |
| Douglas County | 40 | 22 | 3 | 7.5% |
| Arapahoe County | 40 | 25 | 3 | 7.5% |
| Denver County | 32 | 15 | 2 | 6.3% |
| Adams County | 22 | 11 | 1 | 4.5% |
| Larimer County | 22 | 16 | 1 | 4.5% |
| Boulder County | 15 | 9 | 1 | 6.7% |
| Pueblo County | 10 | 8 | 0 | 0.0% |
| Weld County | 10 | 4 | 3 | 30.0% |
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: 349 applications in 2025, of which 206 were originated and 25 denied.
7.2% of all applications, or 10.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans NBKC Bank originated in Colorado in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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