Southern Lending Services in Colorado vs the state
3.1%Denial rate-12.54 pts vs state
4.1%Decision denial rate-15.61 pts vs state
73.2%Origination rate+13.18 pts vs state
5.99%Median rate-0.63 pts vs state
-0.43Rate spread (pts)-0.58 pts vs state
$160kMedian applicant income
71Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 16 | 0.0% | 5.24% | #417 |
| 2024 | 74 | 46 | 2.7% | 6.13% | #256 |
| 2025 | 97 | 71 | 3.1% | 5.99% | #231 |
What Southern Lending Services lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Southern Lending Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 53 | 41 | 0 | 0.0% |
| Broomfield County | 19 | 14 | 1 | 5.3% |
| Boulder County | 10 | 4 | 1 | 10.0% |
| Denver County | 7 | 6 | 0 | 0.0% |
| Weld County | 6 | 6 | 0 | 0.0% |
| Larimer County | 1 | 0 | 1 | 100.0% |
| La Plata County | 1 | 0 | 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: 97 applications in 2025, of which 71 were originated and 3 denied.
3.1% of all applications, or 4.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Southern Lending Services originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Southern Lending Services'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