SouthState Bank in Colorado vs the state
30.1%Denial rate+14.50 pts vs state
32.6%Decision denial rate+12.96 pts vs state
60.9%Origination rate+0.91 pts vs state
7.75%Median rate+1.13 pts vs state
0.49Rate spread (pts)+0.34 pts vs state
$121kMedian applicant income
184Loans originated
91Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 4 | 25.0% | 7.06% | #522 |
| 2025 | 302 | 184 | 30.1% | 7.75% | #145 |
What SouthState Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 74 | 47 | 20 | 27.0% |
| Douglas County | 43 | 25 | 17 | 39.5% |
| Weld County | 43 | 24 | 16 | 37.2% |
| Boulder County | 25 | 12 | 8 | 32.0% |
| El Paso County | 25 | 20 | 5 | 20.0% |
| Adams County | 19 | 9 | 9 | 47.4% |
| Arapahoe County | 18 | 10 | 6 | 33.3% |
| Jefferson County | 14 | 11 | 1 | 7.1% |
| Denver County | 12 | 9 | 2 | 16.7% |
| Routt County | 6 | 0 | 3 | 50.0% |
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: 302 applications in 2025, of which 184 were originated and 91 denied.
30.1% of all applications, or 32.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans SouthState Bank originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are SouthState Bank'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