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Adams County, Colorado · 2025

Mortgage lenders in Adams County, CO: denial rates and top lenders (2025)

493 lenders acted on 24,394 mortgage applications for properties in Adams County in 2025. 19.6% were denied (Colorado: 15.6%). Median rate on closed loans 6.50%; median loan $335,000; median property value $515,000.

24kApplications
19.6%Denial ratestate 15.6%
6.50%Median ratestate 6.63%
$335,000Median loan
$515,000Median property value

Largest lenders in Adams County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,0821,582 10.4%6.13%
2 Rocket Mortgage C 971719 16.3%6.61%
3 Bellco Credit Union F 896394 47.4%8.00%
4 American Financing D 870241 46.0%6.13%
5 21st Mortgage F 712113 58.3%10.47%
6 ENT Credit Union B 551317 31.0%7.88%
7 Canvas Credit Union C 549313 17.7%7.89%
8 Guild Mortgage A 521354 2.1%6.63%
9 Homeamerican Mortgage A 459337 12.0%4.50%
10 Loandepot.Com D 427276 16.2%5.63%
11 FirstBank C 392232 22.2%7.05%
12 Lennar Mortgage A 383283 8.9%3.99%
13 Crosscountry Mortgage B 382243 5.5%6.50%
14 Nest Home Lending A 381319 1.3%5.49%
15 U.S. Bank D 363138 45.7%8.45%
16 Newrez D 362134 21.3%6.38%
17 Broker Solutions D 354197 5.4%6.56%
18 Kbhs Home Loans B 350237 3.7%4.99%
19 Loan Simple D 332221 3.3%6.50%
20 Freedom Mortgage B 326152 8.6%5.75%
21 Spring Eq D 319112 49.2%9.49%
22 Pennymac Loan Services C 309163 12.9%6.20%
23 Guaranteed Rate B 299165 7.0%6.54%
24 Triad Financial Services D 29866 51.0%9.13%
25 CMG Mortgage A 278184 3.2%6.31%

Best approval odds in Adams County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Synergy One Lending810.0%
2V.i.p. Mortgage1270.8%
3Movement Mortgage921.1%
4Coastal Community Bank1651.2%
5Unnamed lender 254900RNV63A0TIZNK90761.3%
6Nest Home Lending3251.5%
7Sunflower Bank581.7%
8Ixonia Bank521.9%
9Guild Mortgage3912.8%
10Panorama Mortgage Group633.2%

What Adams County borrowers applied for

By loan purpose

Home purchase 11,838 49% · 11.2% denied
Refinance 3,549 15% · 20.1% denied
Cash-out refinance 4,082 17% · 25.7% denied
Home improvement 1,905 8% · 33.9% denied
Other / HELOC 3,020 12% · 34.6% denied

By loan type

Conventional 17,435 71% · 21.0% denied
FHA 5,282 22% · 17.6% denied
VA 1,631 7% · 11.7% denied
USDA / RHS 46 0% · 8.7% denied

Why applications were denied

Debt-to-income ratio 1,908 40%
Credit history 1,106 23%
Collateral 508 11%
Other 492 10%
Incomplete application 483 10%
Unverifiable information 153 3%
Insufficient cash 82 2%
Employment history 53 1%
Mortgage insurance denied 1 0%

Adams County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202322,95912,45122.3%6.81%$275,000
202424,24813,34122.3%6.75%$305,000
202524,39413,83919.6%6.50%$335,000

Frequently asked questions

19.6% of applications in Adams County were denied in 2025, against 15.6% statewide in Colorado.

United Shore Financial Services, with 2,082 applications in 2025 and a denial rate of 10.4%.

The median mortgage application in Adams County in 2025 was for $335,000; the median property value on originated loans was $515,000.