The Federal Savings Bank in Colorado vs the state
10.5%Denial rate-5.18 pts vs state
22.1%Decision denial rate+2.45 pts vs state
35.6%Origination rate-24.45 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.14 pts vs state
$107kMedian applicant income
143Loans originated
42Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 531 | 191 | 10.2% | 6.50% | #95 |
| 2024 | 442 | 181 | 8.8% | 6.38% | #105 |
| 2025 | 402 | 143 | 10.5% | 6.63% | #121 |
What The Federal Savings Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 100 | 30 | 14 | 14.0% |
| Arapahoe County | 38 | 9 | 3 | 7.9% |
| Weld County | 38 | 14 | 3 | 7.9% |
| Adams County | 30 | 7 | 5 | 16.7% |
| Denver County | 23 | 7 | 6 | 26.1% |
| Douglas County | 20 | 5 | 4 | 20.0% |
| Larimer County | 18 | 11 | 0 | 0.0% |
| Grand County | 17 | 6 | 2 | 11.8% |
| Jefferson County | 17 | 9 | 2 | 11.8% |
| Pueblo County | 10 | 4 | 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: 402 applications in 2025, of which 143 were originated and 42 denied.
10.5% of all applications, or 22.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans The Federal Savings Bank originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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