Village Capital & Investment in Colorado vs the state
17.9%Denial rate+2.24 pts vs state
22.9%Decision denial rate+3.23 pts vs state
31.5%Origination rate-28.52 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$100kMedian applicant income
201Loans originated
114Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 295 | 68 | 20.7% | 6.13% | #129 |
| 2024 | 730 | 256 | 13.3% | 5.75% | #75 |
| 2025 | 638 | 201 | 17.9% | 5.75% | #89 |
What Village Capital & Investment lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 185 | 67 | 28 | 15.1% |
| Adams County | 71 | 21 | 15 | 21.1% |
| Arapahoe County | 63 | 17 | 8 | 12.7% |
| Pueblo County | 44 | 17 | 6 | 13.6% |
| Weld County | 41 | 16 | 12 | 29.3% |
| Denver County | 29 | 8 | 4 | 13.8% |
| Douglas County | 27 | 6 | 2 | 7.4% |
| Fremont County | 24 | 6 | 8 | 33.3% |
| Larimer County | 22 | 6 | 2 | 9.1% |
| Mesa County | 21 | 9 | 4 | 19.0% |
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: 638 applications in 2025, of which 201 were originated and 114 denied.
17.9% of all applications, or 22.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Village Capital & Investment originated in Colorado in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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