Sunflower Bank in Colorado vs the state
1.8%Denial rate-13.84 pts vs state
2.5%Decision denial rate-17.14 pts vs state
68.7%Origination rate+8.69 pts vs state
6.38%Median rate-0.25 pts vs state
-0.02Rate spread (pts)-0.17 pts vs state
$151kMedian applicant income
538Loans originated
14Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 210 | 139 | 2.9% | 6.43% | #155 |
| 2024 | 550 | 405 | 3.1% | 6.49% | #93 |
| 2025 | 783 | 538 | 1.8% | 6.38% | #76 |
What Sunflower Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Sunflower Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 187 | 121 | 1 | 0.5% |
| Arapahoe County | 169 | 108 | 7 | 4.1% |
| Jefferson County | 131 | 92 | 2 | 1.5% |
| Adams County | 83 | 57 | 1 | 1.2% |
| Douglas County | 79 | 58 | 0 | 0.0% |
| El Paso County | 27 | 18 | 0 | 0.0% |
| Boulder County | 17 | 12 | 1 | 5.9% |
| Fremont County | 14 | 10 | 1 | 7.1% |
| Weld County | 14 | 12 | 0 | 0.0% |
| Broomfield County | 10 | 8 | 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: 783 applications in 2025, of which 538 were originated and 14 denied.
1.8% of all applications, or 2.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Sunflower Bank originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Sunflower 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