Union Bank and Trust in Colorado vs the state
4.8%Denial rate-10.87 pts vs state
7.1%Decision denial rate-12.52 pts vs state
61.9%Origination rate+1.88 pts vs state
6.50%Median rate-0.13 pts vs state
-0.06Rate spread (pts)-0.21 pts vs state
$221kMedian applicant income
13Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 5 | 0.0% | 6.63% | #511 |
| 2024 | 10 | 7 | 20.0% | 6.95% | #494 |
| 2025 | 21 | 13 | 4.8% | 6.50% | #415 |
What Union Bank and Trust lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Union Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 9 | 5 | 0 | 0.0% |
| Weld County | 3 | 3 | 0 | 0.0% |
| Arapahoe County | 3 | 2 | 1 | 33.3% |
| Summit County | 2 | 1 | 0 | 0.0% |
| La Plata County | 1 | 1 | 0 | 0.0% |
| Adams County | 1 | 0 | 0 | 0.0% |
| Gunnison County | 1 | 0 | 0 | 0.0% |
| Park County | 1 | 1 | 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: 21 applications in 2025, of which 13 were originated and 1 denied.
4.8% of all applications, or 7.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Union Bank and Trust originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Bank and Trust'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