Tomo Mortgage in Colorado vs the state
4.9%Denial rate-10.76 pts vs state
10.5%Decision denial rate-9.18 pts vs state
41.2%Origination rate-18.87 pts vs state
6.38%Median rate-0.25 pts vs state
-0.24Rate spread (pts)-0.39 pts vs state
$198kMedian applicant income
93Loans originated
11Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 0.0% | 6.88% | #612 |
| 2024 | 68 | 40 | 2.9% | 6.63% | #266 |
| 2025 | 226 | 93 | 4.9% | 6.38% | #167 |
What Tomo Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 31 | 11 | 1 | 3.2% |
| Denver County | 31 | 12 | 0 | 0.0% |
| Arapahoe County | 26 | 9 | 0 | 0.0% |
| El Paso County | 19 | 7 | 3 | 15.8% |
| Douglas County | 18 | 3 | 2 | 11.1% |
| Boulder County | 17 | 8 | 2 | 11.8% |
| Larimer County | 14 | 6 | 1 | 7.1% |
| Mesa County | 8 | 3 | 0 | 0.0% |
| La Plata County | 5 | 3 | 0 | 0.0% |
| Teller County | 5 | 2 | 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: 226 applications in 2025, of which 93 were originated and 11 denied.
4.9% of all applications, or 10.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Tomo Mortgage originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Tomo 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