Pacific Equity and Loan in Colorado vs the state
6.7%Denial rate-8.96 pts vs state
6.7%Decision denial rate-12.99 pts vs state
80.0%Origination rate+19.98 pts vs state
12.00%Median rate+5.38 pts vs state
—Rate spread (pts)
—Median applicant income
12Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 0.0% | 12.50% | #532 |
| 2024 | 15 | 9 | 6.7% | 12.00% | #436 |
| 2025 | 15 | 12 | 6.7% | 12.00% | #448 |
What Pacific Equity and Loan lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
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: 15 applications in 2025, of which 12 were originated and 1 denied.
6.7% of all applications, or 6.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Pacific Equity and Loan originated in Colorado in 2025 was 12.00%, against a statewide median of 6.63%.
About this data. Figures are Pacific Equity and Loan'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