Pennymac Loan Services in Colorado vs the state
10.5%Denial rate-5.15 pts vs state
14.6%Decision denial rate-5.06 pts vs state
59.5%Origination rate-0.57 pts vs state
6.38%Median rate-0.25 pts vs state
0.13Rate spread (pts)-0.02 pts vs state
$150kMedian applicant income
2,360Loans originated
416Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,143 | 1,070 | 14.2% | 6.62% | #24 |
| 2024 | 2,818 | 1,535 | 12.7% | 6.25% | #20 |
| 2025 | 3,970 | 2,360 | 10.5% | 6.38% | #11 |
What Pennymac Loan Services lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 680 | 389 | 73 | 10.7% |
| Douglas County | 387 | 230 | 26 | 6.7% |
| Arapahoe County | 367 | 212 | 37 | 10.1% |
| Jefferson County | 365 | 238 | 31 | 8.5% |
| Denver County | 321 | 199 | 25 | 7.8% |
| Adams County | 309 | 163 | 40 | 12.9% |
| Weld County | 274 | 153 | 35 | 12.8% |
| Larimer County | 207 | 135 | 20 | 9.7% |
| Boulder County | 184 | 130 | 21 | 11.4% |
| Mesa County | 131 | 75 | 8 | 6.1% |
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: 3,970 applications in 2025, of which 2,360 were originated and 416 denied.
10.5% of all applications, or 14.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Pennymac Loan Services originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services'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