Provident Funding Associates in Colorado vs the state
5.1%Denial rate-10.55 pts vs state
6.9%Decision denial rate-12.74 pts vs state
66.7%Origination rate+6.68 pts vs state
6.38%Median rate-0.25 pts vs state
-0.14Rate spread (pts)-0.29 pts vs state
$164kMedian applicant income
657Loans originated
50Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 623 | 359 | 5.5% | 6.38% | #82 |
| 2024 | 787 | 476 | 3.8% | 6.50% | #71 |
| 2025 | 985 | 657 | 5.1% | 6.38% | #58 |
What Provident Funding Associates lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 176 | 124 | 5 | 2.8% |
| Douglas County | 143 | 95 | 6 | 4.2% |
| Arapahoe County | 114 | 76 | 8 | 7.0% |
| Denver County | 97 | 64 | 4 | 4.1% |
| El Paso County | 95 | 57 | 4 | 4.2% |
| Larimer County | 68 | 46 | 5 | 7.4% |
| Boulder County | 62 | 44 | 2 | 3.2% |
| Adams County | 44 | 33 | 3 | 6.8% |
| Weld County | 34 | 25 | 1 | 2.9% |
| Broomfield County | 32 | 26 | 0 | 0.0% |
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: 985 applications in 2025, of which 657 were originated and 50 denied.
5.1% of all applications, or 6.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Provident Funding Associates originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Provident Funding Associates'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