Royal United Mortgage in Colorado vs the state
18.4%Denial rate+2.79 pts vs state
20.6%Decision denial rate+0.93 pts vs state
68.4%Origination rate+8.40 pts vs state
6.56%Median rate-0.06 pts vs state
0.94Rate spread (pts)+0.79 pts vs state
$46kMedian applicant income
26Loans originated
7Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 39 | 15.5% | 6.88% | #266 |
| 2024 | 65 | 46 | 15.4% | 6.88% | #272 |
| 2025 | 38 | 26 | 18.4% | 6.56% | #340 |
What Royal United Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 8 | 5 | 1 | 12.5% |
| Arapahoe County | 4 | 2 | 0 | 0.0% |
| Larimer County | 3 | 3 | 0 | 0.0% |
| Adams County | 3 | 1 | 2 | 66.7% |
| Huerfano County | 3 | 2 | 0 | 0.0% |
| Pueblo County | 3 | 2 | 1 | 33.3% |
| Weld County | 3 | 2 | 1 | 33.3% |
| Prowers County | 1 | 1 | 0 | 0.0% |
| Custer County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 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: 38 applications in 2025, of which 26 were originated and 7 denied.
18.4% of all applications, or 20.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Royal United Mortgage originated in Colorado in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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