Oakstar Bank in Colorado vs the state
9.6%Denial rate-6.05 pts vs state
10.5%Decision denial rate-9.20 pts vs state
75.5%Origination rate+15.43 pts vs state
7.50%Median rate+0.88 pts vs state
0.18Rate spread (pts)+0.03 pts vs state
$144kMedian applicant income
126Loans originated
16Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 118 | 14.9% | 8.50% | #173 |
| 2024 | 189 | 140 | 11.6% | 8.50% | #165 |
| 2025 | 167 | 126 | 9.6% | 7.50% | #192 |
What Oakstar Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Oakstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mesa County | 111 | 79 | 12 | 10.8% |
| Delta County | 23 | 17 | 4 | 17.4% |
| Garfield County | 8 | 7 | 0 | 0.0% |
| El Paso County | 5 | 5 | 0 | 0.0% |
| Douglas County | 4 | 3 | 0 | 0.0% |
| Eagle County | 4 | 4 | 0 | 0.0% |
| Pitkin County | 3 | 3 | 0 | 0.0% |
| Denver County | 2 | 2 | 0 | 0.0% |
| Montrose County | 2 | 2 | 0 | 0.0% |
| Jefferson 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: 167 applications in 2025, of which 126 were originated and 16 denied.
9.6% of all applications, or 10.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Oakstar Bank originated in Colorado in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Oakstar 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