University Bank in Colorado vs the state
13.6%Denial rate-1.99 pts vs state
14.3%Decision denial rate-5.37 pts vs state
81.8%Origination rate+21.80 pts vs state
—Median rate
—Rate spread (pts)
$144kMedian applicant income
18Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 11.1% | — | #510 |
| 2024 | 7 | 5 | 0.0% | — | #556 |
| 2025 | 22 | 18 | 13.6% | — | #410 |
What University Bank lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 4 | 4 | 0 | 0.0% |
| El Paso County | 3 | 2 | 1 | 33.3% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Broomfield County | 1 | 1 | 0 | 0.0% |
| Pueblo County | 1 | 1 | 0 | 0.0% |
| La Plata County | 1 | 1 | 0 | 0.0% |
| Mesa County | 1 | 1 | 0 | 0.0% |
| Denver County | 1 | 1 | 0 | 0.0% |
| Gunnison County | 1 | 0 | 1 | 100.0% |
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: 22 applications in 2025, of which 18 were originated and 3 denied.
13.6% of all applications, or 14.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are University 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