Sierra Pacific Mortgage Company in Colorado vs the state
2.9%Denial rate-12.71 pts vs state
3.5%Decision denial rate-16.14 pts vs state
78.1%Origination rate+18.05 pts vs state
6.63%Median rate0.00 pts vs state
-0.03Rate spread (pts)-0.18 pts vs state
$165kMedian applicant income
267Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 47 | 10.8% | 6.50% | #256 |
| 2024 | 104 | 81 | 10.6% | 6.75% | #216 |
| 2025 | 342 | 267 | 2.9% | 6.63% | #134 |
What Sierra Pacific Mortgage Company lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 56 | 40 | 1 | 1.8% |
| Jefferson County | 55 | 43 | 1 | 1.8% |
| Denver County | 42 | 34 | 1 | 2.4% |
| Douglas County | 38 | 34 | 0 | 0.0% |
| Adams County | 34 | 23 | 2 | 5.9% |
| El Paso County | 24 | 17 | 2 | 8.3% |
| Larimer County | 20 | 18 | 1 | 5.0% |
| Boulder County | 16 | 16 | 0 | 0.0% |
| Broomfield County | 6 | 6 | 0 | 0.0% |
| Montezuma County | 5 | 5 | 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: 342 applications in 2025, of which 267 were originated and 10 denied.
2.9% of all applications, or 3.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Sierra Pacific Mortgage Company originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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