Largest lenders in Boulder County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Elevations | C | 1,588 | 1,092 | 9.6% | 7.24% |
| 2 | United Shore Financial Services | B | 857 | 715 | 4.8% | 6.45% |
| 3 | Rocket Mortgage | C | 380 | 291 | 12.9% | 6.63% |
| 4 | FirstBank | C | 338 | 197 | 15.4% | 7.00% |
| 5 | CMG Mortgage | A | 318 | 205 | 3.1% | 6.50% |
| 6 | Guild Mortgage | A | 290 | 209 | 4.1% | 6.63% |
| 7 | JPMorgan Chase Bank | B | 245 | 149 | 8.2% | 6.38% |
| 8 | Crosscountry Mortgage | B | 214 | 132 | 1.4% | 6.58% |
| 9 | Premier Members Credit Union | D | 205 | 146 | 10.2% | 8.00% |
| 10 | Pennymac Loan Services | C | 184 | 130 | 11.4% | 6.43% |
| 11 | Bellco Credit Union | F | 160 | 86 | 31.3% | 8.00% |
| 12 | Bank of America | F | 159 | 75 | 25.2% | 5.88% |
| 13 | ENT Credit Union | B | 152 | 104 | 14.5% | 7.50% |
| 14 | U.S. Bank | D | 144 | 70 | 29.9% | 8.20% |
| 15 | Zions Bancorporation | B | 139 | 87 | 26.6% | 7.75% |
| 16 | American Financing | D | 116 | 30 | 37.1% | 6.38% |
| 17 | Newrez | D | 108 | 49 | 20.4% | 6.50% |
| 18 | Spring Eq | D | 104 | 30 | 48.1% | 8.20% |
| 19 | Fairway Independent Mortgage | B | 98 | 68 | 3.1% | 6.49% |
| 20 | Jet Homeloans | A | 96 | 45 | 2.1% | 5.99% |
| 21 | Coastal Community Bank | C | 95 | 20 | 1.1% | 9.12% |
| 22 | Guaranteed Rate | B | 93 | 43 | 2.2% | 6.63% |
| 23 | Canvas Credit Union | C | 89 | 55 | 12.4% | 7.89% |
| 24 | Toll Brothers Mortgage | A | 88 | 65 | 4.6% | 5.99% |
| 25 | BMO Bank | F | 83 | 42 | 27.7% | 8.44% |
Best approval odds in Boulder County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Swbc Mortgage | 69 | 1.5% |
| 2 | Coastal Community Bank | 61 | 1.6% |
| 3 | Morgan Stanley Private Bank | 57 | 1.8% |
| 4 | Crosscountry Mortgage | 135 | 2.2% |
| 5 | CMG Mortgage | 242 | 4.1% |
| 6 | Fairway Independent Mortgage | 72 | 4.2% |
| 7 | The Loan Store | 69 | 4.4% |
| 8 | Toll Brothers Mortgage | 84 | 4.8% |
| 9 | Guild Mortgage | 232 | 5.2% |
| 10 | United Shore Financial Services | 773 | 5.3% |
What Boulder County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boulder County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,171 | 5,705 | 15.7% | 7.00% | $335,000 |
| 2024 | 9,716 | 6,081 | 14.7% | 6.99% | $365,000 |
| 2025 | 10,824 | 6,822 | 12.2% | 6.63% | $395,000 |
Frequently asked questions
12.2% of applications in Boulder County were denied in 2025, against 15.6% statewide in Colorado.
Elevations, with 1,588 applications in 2025 and a denial rate of 9.6%.
The median mortgage application in Boulder County in 2025 was for $395,000; the median property value on originated loans was $795,000.