West Gate Bank in Colorado vs the state
4.3%Denial rate-11.37 pts vs state
4.3%Decision denial rate-15.40 pts vs state
93.6%Origination rate+33.60 pts vs state
6.56%Median rate-0.06 pts vs state
-0.10Rate spread (pts)-0.25 pts vs state
$161kMedian applicant income
44Loans originated
2Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 10.0% | 6.38% | #501 |
| 2024 | 19 | 16 | 10.5% | 6.63% | #405 |
| 2025 | 47 | 44 | 4.3% | 6.56% | #310 |
What West Gate Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most West Gate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 9 | 7 | 2 | 22.2% |
| Denver County | 9 | 9 | 0 | 0.0% |
| Arapahoe County | 8 | 8 | 0 | 0.0% |
| Gunnison County | 6 | 6 | 0 | 0.0% |
| Larimer County | 4 | 4 | 0 | 0.0% |
| Summit County | 2 | 2 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 1 | 0 | 0.0% |
| Jackson 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: 47 applications in 2025, of which 44 were originated and 2 denied.
4.3% of all applications, or 4.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans West Gate Bank originated in Colorado in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are West Gate 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