Zippy Loans in Colorado vs the state
27.0%Denial rate+11.40 pts vs state
62.5%Decision denial rate+42.84 pts vs state
16.2%Origination rate-43.80 pts vs state
9.60%Median rate+2.97 pts vs state
0.04Rate spread (pts)-0.11 pts vs state
$58kMedian applicant income
6Loans originated
10Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 51 | 9 | 29.4% | 10.75% | #289 |
| 2025 | 37 | 6 | 27.0% | 9.60% | #341 |
What Zippy Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mesa County | 18 | 3 | 4 | 22.2% |
| Montrose County | 3 | 1 | 0 | 0.0% |
| Pueblo County | 2 | 1 | 1 | 50.0% |
| Arapahoe County | 2 | 1 | 0 | 0.0% |
| El Paso County | 1 | 0 | 0 | 0.0% |
| Moffat County | 1 | 0 | 1 | 100.0% |
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: 37 applications in 2025, of which 6 were originated and 10 denied.
27.0% of all applications, or 62.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Zippy Loans originated in Colorado in 2025 was 9.60%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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