Nest Home Lending in Colorado vs the state
0.8%Denial rate-14.79 pts vs state
1.0%Decision denial rate-18.69 pts vs state
85.6%Origination rate+25.59 pts vs state
4.99%Median rate-1.63 pts vs state
-1.02Rate spread (pts)-1.17 pts vs state
$112kMedian applicant income
613Loans originated
6Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 568 | 394 | 3.2% | 5.75% | #90 |
| 2024 | 566 | 453 | 1.9% | 5.49% | #91 |
| 2025 | 716 | 613 | 0.8% | 4.99% | #82 |
What Nest Home Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Nest Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 381 | 319 | 5 | 1.3% |
| El Paso County | 212 | 188 | 1 | 0.5% |
| Weld County | 59 | 53 | 0 | 0.0% |
| Larimer County | 47 | 41 | 0 | 0.0% |
| Broomfield County | 4 | 1 | 0 | 0.0% |
| Boulder County | 3 | 3 | 0 | 0.0% |
| Denver County | 3 | 3 | 0 | 0.0% |
| Arapahoe County | 2 | 2 | 0 | 0.0% |
| Douglas County | 2 | 1 | 0 | 0.0% |
| La Plata 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: 716 applications in 2025, of which 613 were originated and 6 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Nest Home Lending originated in Colorado in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Nest Home Lending'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