Partner Colorado at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd51.3% deniedPricingmedian rate spread over APOR, weight 30%
40th0.26 ptsProcesswithdrawn + incomplete share, weight 15%
57th11.2%Closing coststotal loan costs ÷ loan amount, weight 10%
4th6.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 558 | 216 | 42.3% | 52.2% | 6.50% | $23M |
| 2024 | 480 | 187 | 43.8% | 52.9% | 6.24% | $23M |
| 2025 | 446 | 193 | 45.5% | 51.3% | 5.99% | $23M |
What Partner Colorado lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 400 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 23 investment properties.
Why Partner Colorado denies applications
Primary reason reported for each of the 203 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Partner Colorado
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 47 | 11 | 73.2% |
| $50k – $100k | 136 | 58 | 52.5% |
| $100k – $150k | 86 | 38 | 50.0% |
| $150k – $250k | 120 | 62 | 42.1% |
| Over $250k | 52 | 24 | 50.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 8 | 78.4% |
| 35–44 | 93 | 39 | 51.3% |
| 45–54 | 127 | 54 | 53.0% |
| 55–64 | 90 | 45 | 45.1% |
| 65–74 | 67 | 33 | 43.1% |
| Over 74 | 26 | 14 | 39.1% |
Where Partner Colorado lends
8 states and 34 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Colorado | 437 | 191 | 45.8% | 5.99% | #115 |
Frequently asked questions
Partner Colorado denied 51.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of home-equity (HELOC) lenders.
The most common reason Partner Colorado gave in 2025 was "other", cited on 55.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Partner Colorado originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 7% of its applications were for home purchases, 22% for refinancing (including cash-out), and 71% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.