V.i.p. Mortgage in Colorado vs the state
0.8%Denial rate-14.79 pts vs state
1.0%Decision denial rate-18.64 pts vs state
80.9%Origination rate+20.84 pts vs state
6.50%Median rate-0.13 pts vs state
0.18Rate spread (pts)+0.03 pts vs state
$125kMedian applicant income
1,153Loans originated
12Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,809 | 1,425 | 1.3% | 6.63% | #32 |
| 2024 | 1,557 | 1,263 | 1.4% | 6.63% | #40 |
| 2025 | 1,426 | 1,153 | 0.8% | 6.50% | #42 |
What V.i.p. Mortgage lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 203 | 156 | 0 | 0.0% |
| El Paso County | 192 | 169 | 4 | 2.1% |
| Jefferson County | 156 | 135 | 0 | 0.0% |
| Adams County | 147 | 125 | 1 | 0.7% |
| Arapahoe County | 146 | 113 | 2 | 1.4% |
| Mesa County | 127 | 96 | 1 | 0.8% |
| Montezuma County | 102 | 84 | 0 | 0.0% |
| Douglas County | 93 | 78 | 1 | 1.1% |
| Weld County | 49 | 35 | 2 | 4.1% |
| Boulder County | 30 | 19 | 0 | 0.0% |
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: 1,426 applications in 2025, of which 1,153 were originated and 12 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans V.i.p. Mortgage originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. Mortgage'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