Universal Lending in Colorado vs the state
4.3%Denial rate-11.36 pts vs state
5.2%Decision denial rate-14.45 pts vs state
77.8%Origination rate+17.76 pts vs state
4.99%Median rate-1.63 pts vs state
-1.46Rate spread (pts)-1.61 pts vs state
$128kMedian applicant income
91Loans originated
5Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,144 | 843 | 8.6% | 6.63% | #51 |
| 2024 | 12 | 9 | 16.7% | 4.99% | #466 |
| 2025 | 117 | 91 | 4.3% | 4.99% | #213 |
What Universal Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Universal Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 62 | 48 | 3 | 4.8% |
| Douglas County | 29 | 23 | 1 | 3.4% |
| Jefferson County | 11 | 9 | 1 | 9.1% |
| Arapahoe County | 9 | 5 | 0 | 0.0% |
| Weld County | 4 | 4 | 0 | 0.0% |
| Boulder County | 1 | 1 | 0 | 0.0% |
| Denver 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: 117 applications in 2025, of which 91 were originated and 5 denied.
4.3% of all applications, or 5.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Universal Lending originated in Colorado in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Universal Lending'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