UMB Bank in Colorado vs the state
30.6%Denial rate+14.99 pts vs state
33.5%Decision denial rate+13.88 pts vs state
57.2%Origination rate-2.86 pts vs state
5.99%Median rate-0.63 pts vs state
-1.09Rate spread (pts)-1.23 pts vs state
$200kMedian applicant income
407Loans originated
218Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 625 | 393 | 27.0% | 5.99% | #80 |
| 2024 | 488 | 326 | 25.0% | 6.99% | #99 |
| 2025 | 712 | 407 | 30.6% | 5.99% | #83 |
What UMB Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 184 | 108 | 53 | 28.8% |
| Arapahoe County | 113 | 59 | 41 | 36.3% |
| Jefferson County | 101 | 57 | 35 | 34.7% |
| Douglas County | 72 | 43 | 20 | 27.8% |
| El Paso County | 68 | 46 | 16 | 23.5% |
| Boulder County | 31 | 17 | 8 | 25.8% |
| Adams County | 26 | 12 | 10 | 38.5% |
| Eagle County | 18 | 7 | 9 | 50.0% |
| Weld County | 15 | 9 | 5 | 33.3% |
| Larimer County | 12 | 9 | 1 | 8.3% |
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: 712 applications in 2025, of which 407 were originated and 218 denied.
30.6% of all applications, or 33.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans UMB Bank originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB 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