Largest lenders in Clear Creek County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 52 | 36 | 7.7% | 6.50% |
| 2 | Rocket Mortgage | C | 30 | 23 | 20.0% | 6.25% |
| 3 | U.S. Bank | D | 20 | 7 | 40.0% | 8.20% |
| 4 | FirstBank | C | 16 | 6 | 18.8% | 7.25% |
| 5 | Credit Union of Colorado, a Federal Credit Union | C | 13 | 5 | 30.8% | 7.25% |
| 6 | BMO Bank | F | 13 | 5 | 38.5% | 8.05% |
| 7 | Select Lending Services | B | 12 | 8 | 0.0% | 6.69% |
| 8 | Fairway Independent Mortgage | B | 12 | 11 | 0.0% | 6.13% |
| 9 | Pennymac Loan Services | C | 11 | 6 | 18.2% | 6.12% |
| 10 | American Financing | D | 11 | 2 | 45.5% | 5.88% |
| 11 | Freedom Mortgage | B | 10 | 3 | 10.0% | 6.25% |
| 12 | Guild Mortgage | A | 10 | 8 | 0.0% | 6.50% |
| 13 | Navy Federal Credit Union | D | 9 | 4 | 44.4% | 5.88% |
| 14 | ENT Credit Union | B | 8 | 4 | 25.0% | 8.00% |
| 15 | Megastar Financial | A | 8 | 5 | 0.0% | 6.69% |
| 16 | Nationstar Mortgage | C | 8 | 5 | 25.0% | 7.49% |
| 17 | Mortgage Research Center | C | 8 | 3 | 0.0% | 5.99% |
| 18 | Loandepot.Com | D | 8 | 6 | 25.0% | 8.38% |
| 19 | Crosscountry Mortgage | B | 7 | 6 | 0.0% | 6.48% |
| 20 | Guaranteed Rate | B | 7 | 3 | 0.0% | 7.25% |
| 21 | Bellco Credit Union | F | 7 | 3 | 42.9% | 7.50% |
| 22 | Resicentral | B | 7 | 5 | 0.0% | 5.88% |
| 23 | The Loan Store | B | 7 | 7 | 0.0% | 7.13% |
| 24 | Newrez | D | 6 | 4 | 16.7% | 7.56% |
| 25 | Northpointe Bank | C | 5 | 4 | 20.0% | 6.19% |
What Clear Creek County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clear Creek County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 497 | 271 | 19.9% | 7.08% | $305,000 |
| 2024 | 499 | 266 | 21.2% | 7.00% | $315,000 |
| 2025 | 541 | 309 | 17.7% | 6.63% | $345,000 |
Frequently asked questions
17.7% of applications in Clear Creek County were denied in 2025, against 15.6% statewide in Colorado.
United Shore Financial Services, with 52 applications in 2025 and a denial rate of 7.7%.
The median mortgage application in Clear Creek County in 2025 was for $345,000; the median property value on originated loans was $655,000.