Union Home Mortgage in Colorado vs the state
4.6%Denial rate-11.04 pts vs state
5.8%Decision denial rate-13.84 pts vs state
72.3%Origination rate+12.32 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.08 pts vs state
$150kMedian applicant income
693Loans originated
44Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 187 | 130 | 4.3% | 6.63% | #164 |
| 2024 | 534 | 392 | 5.2% | 6.63% | #94 |
| 2025 | 958 | 693 | 4.6% | 6.38% | #60 |
What Union Home Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 139 | 94 | 6 | 4.3% |
| Jefferson County | 134 | 96 | 8 | 6.0% |
| Arapahoe County | 109 | 81 | 7 | 6.4% |
| Douglas County | 101 | 69 | 4 | 4.0% |
| Denver County | 98 | 73 | 6 | 6.1% |
| Adams County | 74 | 52 | 3 | 4.1% |
| Chaffee County | 56 | 45 | 1 | 1.8% |
| Larimer County | 53 | 39 | 1 | 1.9% |
| Weld County | 44 | 38 | 1 | 2.3% |
| Boulder County | 36 | 29 | 1 | 2.8% |
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: 958 applications in 2025, of which 693 were originated and 44 denied.
4.6% of all applications, or 5.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Union Home Mortgage originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Union Home 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