OCMBC in Colorado vs the state
10.6%Denial rate-5.06 pts vs state
13.4%Decision denial rate-6.22 pts vs state
54.3%Origination rate-5.69 pts vs state
7.13%Median rate+0.50 pts vs state
1.23Rate spread (pts)+1.08 pts vs state
$160kMedian applicant income
257Loans originated
50Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 159 | 14.1% | 7.63% | #138 |
| 2024 | 329 | 176 | 16.7% | 7.75% | #125 |
| 2025 | 473 | 257 | 10.6% | 7.13% | #107 |
What OCMBC lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 86 | 44 | 10 | 11.6% |
| Arapahoe County | 71 | 46 | 5 | 7.0% |
| Denver County | 57 | 26 | 4 | 7.0% |
| El Paso County | 49 | 31 | 5 | 10.2% |
| Jefferson County | 44 | 25 | 4 | 9.1% |
| Douglas County | 30 | 18 | 2 | 6.7% |
| Weld County | 24 | 12 | 3 | 12.5% |
| Pueblo County | 22 | 13 | 4 | 18.2% |
| Larimer County | 16 | 8 | 2 | 12.5% |
| Boulder County | 12 | 7 | 1 | 8.3% |
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: 473 applications in 2025, of which 257 were originated and 50 denied.
10.6% of all applications, or 13.4% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans OCMBC originated in Colorado in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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