U.S. Bank in Colorado vs the state
36.0%Denial rate+20.41 pts vs state
43.3%Decision denial rate+23.65 pts vs state
45.7%Origination rate-14.28 pts vs state
7.95%Median rate+1.33 pts vs state
0.88Rate spread (pts)+0.73 pts vs state
$132kMedian applicant income
2,277Loans originated
1,794Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,047 | 2,899 | 36.6% | 8.45% | #5 |
| 2024 | 5,344 | 2,526 | 35.5% | 8.40% | #6 |
| 2025 | 4,978 | 2,277 | 36.0% | 7.95% | #6 |
What U.S. Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 604 | 293 | 197 | 32.6% |
| Denver County | 543 | 244 | 202 | 37.2% |
| Arapahoe County | 535 | 247 | 192 | 35.9% |
| Douglas County | 519 | 260 | 158 | 30.4% |
| El Paso County | 494 | 216 | 188 | 38.1% |
| Adams County | 363 | 138 | 166 | 45.7% |
| Larimer County | 249 | 125 | 73 | 29.3% |
| Weld County | 244 | 117 | 85 | 34.8% |
| Pueblo County | 229 | 98 | 91 | 39.7% |
| Mesa County | 213 | 95 | 83 | 39.0% |
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% |
| 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: 4,978 applications in 2025, of which 2,277 were originated and 1,794 denied.
36.0% of all applications, or 43.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans U.S. Bank originated in Colorado in 2025 was 7.95%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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