Zillow Home Loans in Colorado vs the state
3.2%Denial rate-12.41 pts vs state
4.1%Decision denial rate-15.60 pts vs state
75.7%Origination rate+15.67 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.08 pts vs state
$126kMedian applicant income
635Loans originated
27Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 251 | 176 | 4.8% | 6.75% | #144 |
| 2024 | 715 | 541 | 3.1% | 6.50% | #77 |
| 2025 | 839 | 635 | 3.2% | 6.38% | #71 |
What Zillow Home Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 180 | 135 | 6 | 3.3% |
| Arapahoe County | 165 | 122 | 3 | 1.8% |
| Jefferson County | 152 | 116 | 5 | 3.3% |
| Douglas County | 95 | 74 | 3 | 3.2% |
| Adams County | 93 | 71 | 4 | 4.3% |
| El Paso County | 40 | 28 | 1 | 2.5% |
| Boulder County | 20 | 15 | 0 | 0.0% |
| Weld County | 17 | 15 | 0 | 0.0% |
| Broomfield County | 11 | 11 | 0 | 0.0% |
| Larimer County | 10 | 8 | 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: 839 applications in 2025, of which 635 were originated and 27 denied.
3.2% of all applications, or 4.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Zillow Home Loans originated in Colorado in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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