The Central Trust Bank in Colorado vs the state
1.5%Denial rate-14.10 pts vs state
2.0%Decision denial rate-17.67 pts vs state
75.0%Origination rate+14.93 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.09 pts vs state
$119kMedian applicant income
733Loans originated
15Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 662 | 481 | 2.4% | 6.75% | #79 |
| 2024 | 1,037 | 749 | 2.9% | 6.75% | #53 |
| 2025 | 978 | 733 | 1.5% | 6.50% | #59 |
What The Central Trust Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 341 | 261 | 4 | 1.2% |
| La Plata County | 131 | 106 | 5 | 3.8% |
| Montrose County | 94 | 72 | 0 | 0.0% |
| Archuleta County | 87 | 58 | 2 | 2.3% |
| Fremont County | 71 | 50 | 2 | 2.8% |
| Mesa County | 47 | 32 | 0 | 0.0% |
| Teller County | 20 | 14 | 0 | 0.0% |
| Pueblo County | 20 | 18 | 0 | 0.0% |
| Delta County | 20 | 16 | 0 | 0.0% |
| Arapahoe County | 18 | 12 | 1 | 5.6% |
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: 978 applications in 2025, of which 733 were originated and 15 denied.
1.5% of all applications, or 2.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans The Central Trust Bank originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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