Vanderbilt Mortgage and Finance in Colorado vs the state
39.5%Denial rate+23.89 pts vs state
83.3%Decision denial rate+63.63 pts vs state
6.3%Origination rate-53.68 pts vs state
10.63%Median rate+4.00 pts vs state
4.66Rate spread (pts)+4.51 pts vs state
$70kMedian applicant income
56Loans originated
349Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,336 | 111 | 50.5% | 10.50% | #45 |
| 2024 | 1,214 | 96 | 54.0% | 10.50% | #48 |
| 2025 | 883 | 56 | 39.5% | 10.63% | #66 |
What Vanderbilt Mortgage and Finance lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 153 | 15 | 65 | 42.5% |
| Adams County | 109 | 6 | 52 | 47.7% |
| Garfield County | 107 | 6 | 44 | 41.1% |
| Larimer County | 96 | 9 | 46 | 47.9% |
| El Paso County | 62 | 4 | 24 | 38.7% |
| Pueblo County | 58 | 2 | 17 | 29.3% |
| Mesa County | 33 | 0 | 12 | 36.4% |
| Fremont County | 22 | 1 | 8 | 36.4% |
| Montezuma County | 20 | 1 | 8 | 40.0% |
| Jefferson County | 18 | 0 | 9 | 50.0% |
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: 883 applications in 2025, of which 56 were originated and 349 denied.
39.5% of all applications, or 83.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Colorado in 2025 was 10.63%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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