Resicentral in Colorado vs the state
3.5%Denial rate-12.14 pts vs state
4.8%Decision denial rate-14.90 pts vs state
65.8%Origination rate+5.77 pts vs state
6.25%Median rate-0.38 pts vs state
-0.09Rate spread (pts)-0.24 pts vs state
$144kMedian applicant income
377Loans originated
20Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 97 | 4.5% | 6.75% | #174 |
| 2024 | 404 | 270 | 2.0% | 6.63% | #111 |
| 2025 | 573 | 377 | 3.5% | 6.25% | #99 |
What Resicentral lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 86 | 53 | 0 | 0.0% |
| Arapahoe County | 74 | 51 | 2 | 2.7% |
| Douglas County | 72 | 59 | 3 | 4.2% |
| Adams County | 54 | 32 | 3 | 5.6% |
| El Paso County | 48 | 28 | 2 | 4.2% |
| Denver County | 48 | 33 | 4 | 8.3% |
| Larimer County | 39 | 27 | 1 | 2.6% |
| Weld County | 34 | 26 | 1 | 2.9% |
| Boulder County | 23 | 14 | 1 | 4.3% |
| Mesa County | 15 | 9 | 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: 573 applications in 2025, of which 377 were originated and 20 denied.
3.5% of all applications, or 4.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Resicentral originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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