T2 Financial in Colorado vs the state
3.8%Denial rate-11.84 pts vs state
4.3%Decision denial rate-15.37 pts vs state
78.8%Origination rate+18.77 pts vs state
6.63%Median rate0.00 pts vs state
0.47Rate spread (pts)+0.32 pts vs state
$126kMedian applicant income
208Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 56 | 6.6% | 6.75% | #240 |
| 2024 | 162 | 124 | 6.8% | 6.88% | #178 |
| 2025 | 264 | 208 | 3.8% | 6.63% | #156 |
What T2 Financial lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garfield County | 82 | 61 | 4 | 4.9% |
| El Paso County | 44 | 38 | 1 | 2.3% |
| Pueblo County | 19 | 12 | 1 | 5.3% |
| Arapahoe County | 19 | 13 | 3 | 15.8% |
| Jefferson County | 13 | 10 | 0 | 0.0% |
| Adams County | 12 | 10 | 0 | 0.0% |
| Weld County | 11 | 10 | 1 | 9.1% |
| Pitkin County | 11 | 9 | 0 | 0.0% |
| Denver County | 10 | 9 | 0 | 0.0% |
| Eagle County | 9 | 7 | 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: 264 applications in 2025, of which 208 were originated and 10 denied.
3.8% of all applications, or 4.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans T2 Financial originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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