United Shore Financial Services in Colorado vs the state
8.8%Denial rate-6.87 pts vs state
9.9%Decision denial rate-9.80 pts vs state
78.7%Origination rate+18.64 pts vs state
6.13%Median rate-0.50 pts vs state
-0.05Rate spread (pts)-0.20 pts vs state
$133kMedian applicant income
18,178Loans originated
2,025Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16,265 | 12,889 | 8.2% | 6.50% | #1 |
| 2024 | 20,126 | 15,733 | 9.1% | 6.37% | #1 |
| 2025 | 23,111 | 18,178 | 8.8% | 6.13% | #1 |
What United Shore Financial Services lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 3,910 | 3,125 | 286 | 7.3% |
| Arapahoe County | 2,649 | 2,038 | 273 | 10.3% |
| Jefferson County | 2,368 | 1,943 | 162 | 6.8% |
| Denver County | 2,325 | 1,825 | 224 | 9.6% |
| Adams County | 2,082 | 1,582 | 216 | 10.4% |
| Douglas County | 2,021 | 1,679 | 126 | 6.2% |
| Weld County | 1,478 | 1,135 | 152 | 10.3% |
| Larimer County | 1,175 | 943 | 106 | 9.0% |
| Boulder County | 857 | 715 | 41 | 4.8% |
| Pueblo County | 786 | 587 | 80 | 10.2% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Pennymac Loan Services | C | 3,970 | 10.5% | 6.38% |
Frequently asked questions
Colorado: 23,111 applications in 2025, of which 18,178 were originated and 2,025 denied.
8.8% of all applications, or 9.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans United Shore Financial Services originated in Colorado in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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