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Arapahoe County, Colorado · 2025

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

514 lenders acted on 26,662 mortgage applications for properties in Arapahoe County in 2025. 16.8% were denied (Colorado: 15.6%). Median rate on closed loans 6.63%; median loan $315,000; median property value $545,000.

27kApplications
16.8%Denial ratestate 15.6%
6.63%Median ratestate 6.63%
$315,000Median loan
$545,000Median property value

Largest lenders in Arapahoe County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,6492,038 10.3%6.25%
2 Rocket Mortgage C 1,243913 15.1%6.63%
3 Bellco Credit Union F 1,194564 43.1%8.00%
4 American Financing D 815253 40.7%6.38%
5 Canvas Credit Union C 695409 14.8%7.89%
6 ENT Credit Union B 666413 24.3%7.50%
7 Guild Mortgage A 652443 3.1%6.50%
8 U.S. Bank D 535247 35.9%8.20%
9 FirstBank C 531312 18.6%7.00%
10 Crosscountry Mortgage B 474311 4.4%6.50%
11 Navy Federal Credit Union D 414180 22.7%7.75%
12 Pennymac Loan Services C 367212 10.1%6.50%
13 Spring Eq D 363102 55.4%9.23%
14 Guaranteed Rate B 362205 2.8%6.50%
15 Fairway Independent Mortgage B 353249 6.8%6.50%
16 Newrez D 348126 23.6%6.56%
17 JPMorgan Chase Bank B 333193 9.9%6.38%
18 Broker Solutions D 331176 5.1%6.63%
19 Freedom Mortgage B 329145 6.1%6.00%
20 Lennar Mortgage A 287213 9.1%3.99%
21 Westerra Credit Union D 286163 25.9%7.99%
22 Loan Simple D 275166 3.6%6.63%
23 Bank of America F 274117 28.8%5.99%
24 Loandepot.Com D 263162 19.8%6.49%
25 The Loan Store B 262182 8.8%6.63%

Best approval odds in Arapahoe County

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

#LenderDecidedDecision denial rate
1Unnamed lender 254900RNV63A0TIZNK90620.0%
2M2 Lending Solutions680.0%
3Coastal Community Bank1821.1%
4Keystone Funding821.2%
5Swbc Mortgage801.3%
6V.i.p. Mortgage1161.7%
7Luminate Bank872.3%
8Zillow Home Loans1252.4%
9Synergy One Lending1212.5%
10Resicentral553.6%

What Arapahoe County borrowers applied for

By loan purpose

Home purchase 11,532 43% · 6.5% denied
Refinance 4,368 16% · 17.8% denied
Cash-out refinance 4,607 17% · 24.0% denied
Home improvement 2,534 10% · 29.2% denied
Other / HELOC 3,621 14% · 31.1% denied

By loan type

Conventional 20,550 77% · 17.4% denied
FHA 4,137 16% · 17.2% denied
VA 1,951 7% · 11.0% denied
USDA / RHS 24 0% · 4.2% denied

Why applications were denied

Debt-to-income ratio 1,875 42%
Credit history 784 17%
Collateral 603 13%
Incomplete application 540 12%
Other 409 9%
Unverifiable information 132 3%
Insufficient cash 96 2%
Employment history 48 1%
Mortgage insurance denied 1 0%

Arapahoe County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202324,38214,33018.1%6.98%$285,000
202425,14114,70818.2%6.88%$305,000
202526,66215,67816.8%6.63%$315,000

Frequently asked questions

16.8% of applications in Arapahoe County were denied in 2025, against 15.6% statewide in Colorado.

United Shore Financial Services, with 2,649 applications in 2025 and a denial rate of 10.3%.

The median mortgage application in Arapahoe County in 2025 was for $315,000; the median property value on originated loans was $545,000.