Residential Mortgage in Colorado vs the state
7.3%Denial rate-8.36 pts vs state
9.1%Decision denial rate-10.57 pts vs state
72.7%Origination rate+12.71 pts vs state
6.31%Median rate-0.31 pts vs state
0.22Rate spread (pts)+0.07 pts vs state
$133kMedian applicant income
40Loans originated
4Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 20 | 7.7% | 6.81% | #368 |
| 2024 | 26 | 17 | 11.5% | 6.75% | #376 |
| 2025 | 55 | 40 | 7.3% | 6.31% | #292 |
What Residential Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 16 | 13 | 0 | 0.0% |
| Weld County | 12 | 8 | 1 | 8.3% |
| Arapahoe County | 5 | 3 | 0 | 0.0% |
| El Paso County | 4 | 4 | 0 | 0.0% |
| Boulder County | 4 | 2 | 2 | 50.0% |
| Douglas County | 3 | 1 | 1 | 33.3% |
| Broomfield County | 3 | 2 | 0 | 0.0% |
| Larimer County | 2 | 1 | 0 | 0.0% |
| Teller County | 2 | 2 | 0 | 0.0% |
| Morgan County | 2 | 2 | 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: 55 applications in 2025, of which 40 were originated and 4 denied.
7.3% of all applications, or 9.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Residential Mortgage originated in Colorado in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Residential 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