Zions Bancorporation in Colorado vs the state
29.6%Denial rate+13.95 pts vs state
29.9%Decision denial rate+10.22 pts vs state
57.6%Origination rate-2.45 pts vs state
7.75%Median rate+1.13 pts vs state
0.54Rate spread (pts)+0.39 pts vs state
$159kMedian applicant income
1,057Loans originated
543Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,341 | 1,321 | 29.6% | 8.25% | #22 |
| 2024 | 1,988 | 1,131 | 28.2% | 8.75% | #28 |
| 2025 | 1,836 | 1,057 | 29.6% | 7.75% | #32 |
What Zions Bancorporation lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 268 | 149 | 91 | 34.0% |
| Jefferson County | 193 | 112 | 55 | 28.5% |
| Arapahoe County | 175 | 96 | 55 | 31.4% |
| Douglas County | 164 | 104 | 38 | 23.2% |
| Boulder County | 139 | 87 | 37 | 26.6% |
| Adams County | 122 | 70 | 42 | 34.4% |
| El Paso County | 106 | 54 | 40 | 37.7% |
| Pueblo County | 100 | 53 | 28 | 28.0% |
| Mesa County | 83 | 49 | 23 | 27.7% |
| Larimer County | 64 | 38 | 15 | 23.4% |
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: 1,836 applications in 2025, of which 1,057 were originated and 543 denied.
29.6% of all applications, or 29.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Zions Bancorporation originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Zions Bancorporation'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