USAA Federal Savings Bank in Colorado vs the state
28.8%Denial rate+13.14 pts vs state
42.6%Decision denial rate+22.98 pts vs state
37.8%Origination rate-22.18 pts vs state
6.25%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.30 pts vs state
$152kMedian applicant income
221Loans originated
168Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 569 | 246 | 17.1% | 6.25% | #89 |
| 2024 | 663 | 285 | 23.1% | 6.38% | #82 |
| 2025 | 584 | 221 | 28.8% | 6.25% | #97 |
What USAA Federal Savings Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 147 | 68 | 37 | 25.2% |
| Denver County | 54 | 17 | 23 | 42.6% |
| Larimer County | 47 | 14 | 11 | 23.4% |
| Douglas County | 43 | 14 | 15 | 34.9% |
| Jefferson County | 42 | 11 | 12 | 28.6% |
| Arapahoe County | 39 | 13 | 9 | 23.1% |
| Adams County | 27 | 14 | 4 | 14.8% |
| Weld County | 22 | 6 | 7 | 31.8% |
| Pueblo County | 20 | 6 | 9 | 45.0% |
| Boulder County | 20 | 5 | 6 | 30.0% |
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: 584 applications in 2025, of which 221 were originated and 168 denied.
28.8% of all applications, or 42.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans USAA Federal Savings Bank originated in Colorado in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are USAA Federal Savings 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