The Mortgage in Colorado vs the state
2.9%Denial rate-12.70 pts vs state
3.8%Decision denial rate-15.83 pts vs state
68.3%Origination rate+8.25 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.01 pts vs state
$114kMedian applicant income
256Loans originated
11Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 223 | 144 | 5.4% | 6.75% | #151 |
| 2024 | 340 | 257 | 4.1% | 6.63% | #119 |
| 2025 | 375 | 256 | 2.9% | 6.63% | #127 |
What The Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most The Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fremont County | 132 | 86 | 3 | 2.3% |
| Arapahoe County | 46 | 32 | 2 | 4.3% |
| Douglas County | 39 | 27 | 1 | 2.6% |
| Denver County | 30 | 25 | 1 | 3.3% |
| Jefferson County | 26 | 21 | 0 | 0.0% |
| Adams County | 21 | 15 | 1 | 4.8% |
| El Paso County | 12 | 5 | 1 | 8.3% |
| Lake County | 10 | 5 | 0 | 0.0% |
| Pueblo County | 9 | 5 | 0 | 0.0% |
| Custer County | 7 | 5 | 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: 375 applications in 2025, of which 256 were originated and 11 denied.
2.9% of all applications, or 3.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans The Mortgage originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Mortgage'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