PNC Bank in Colorado vs the state
30.2%Denial rate+14.56 pts vs state
38.6%Decision denial rate+18.91 pts vs state
45.5%Origination rate-14.51 pts vs state
7.69%Median rate+1.07 pts vs state
0.62Rate spread (pts)+0.47 pts vs state
$133kMedian applicant income
603Loans originated
400Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,571 | 842 | 24.2% | 8.30% | #40 |
| 2024 | 1,203 | 566 | 26.0% | 9.07% | #49 |
| 2025 | 1,325 | 603 | 30.2% | 7.69% | #48 |
What PNC Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 200 | 102 | 54 | 27.0% |
| Denver County | 197 | 93 | 53 | 26.9% |
| Douglas County | 173 | 90 | 42 | 24.3% |
| Adams County | 156 | 61 | 64 | 41.0% |
| Jefferson County | 131 | 65 | 32 | 24.4% |
| El Paso County | 90 | 35 | 29 | 32.2% |
| Boulder County | 80 | 35 | 26 | 32.5% |
| Weld County | 74 | 29 | 27 | 36.5% |
| Larimer County | 70 | 34 | 22 | 31.4% |
| Mesa County | 21 | 4 | 11 | 52.4% |
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: 1,325 applications in 2025, of which 603 were originated and 400 denied.
30.2% of all applications, or 38.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans PNC Bank originated in Colorado in 2025 was 7.69%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank'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