PHH Mortgage in Colorado vs the state
8.5%Denial rate-7.18 pts vs state
16.7%Decision denial rate-2.99 pts vs state
41.2%Origination rate-18.80 pts vs state
5.99%Median rate-0.63 pts vs state
-0.10Rate spread (pts)-0.25 pts vs state
$105kMedian applicant income
244Loans originated
50Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 262 | 123 | 23.3% | 7.06% | #137 |
| 2024 | 453 | 168 | 9.7% | 6.50% | #104 |
| 2025 | 592 | 244 | 8.5% | 5.99% | #95 |
What PHH Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 76 | 38 | 7 | 9.2% |
| Jefferson County | 70 | 27 | 3 | 4.3% |
| Arapahoe County | 58 | 22 | 7 | 12.1% |
| Denver County | 52 | 18 | 2 | 3.8% |
| Weld County | 49 | 19 | 5 | 10.2% |
| Adams County | 47 | 10 | 6 | 12.8% |
| Douglas County | 42 | 20 | 3 | 7.1% |
| Larimer County | 36 | 15 | 3 | 8.3% |
| Pueblo County | 21 | 10 | 2 | 9.5% |
| Boulder County | 17 | 9 | 2 | 11.8% |
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: 592 applications in 2025, of which 244 were originated and 50 denied.
8.5% of all applications, or 16.7% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans PHH Mortgage originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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