Waterman State Bank in Colorado vs the state
0.0%Denial rate-15.63 pts vs state
0.0%Decision denial rate-19.66 pts vs state
66.7%Origination rate+6.65 pts vs state
—Median rate
—Rate spread (pts)
$156kMedian applicant income
4Loans originated
0Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 0.0% | — | #496 |
| 2024 | 15 | 11 | 0.0% | — | #438 |
| 2025 | 6 | 4 | 0.0% | — | #601 |
What Waterman State Bank lends in Colorado
By loan purpose
By loan type
Where in Colorado
Counties with the most Waterman State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 2 | 1 | 0 | 0.0% |
| Grand County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Denver County | 1 | 1 | 0 | 0.0% |
| Mesa County | 1 | 1 | 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: 6 applications in 2025, of which 4 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Waterman State 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