Largest lenders in Delta County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Cornerstone Capital Bank | A | 196 | 153 | 0.5% | 6.50% |
| 2 | Bank of Colorado | C | 92 | 50 | 20.7% | 6.94% |
| 3 | United Shore Financial Services | B | 91 | 58 | 18.7% | 5.99% |
| 4 | Rocket Mortgage | C | 79 | 61 | 15.2% | 6.75% |
| 5 | Broker Solutions | D | 75 | 44 | 4.0% | 6.63% |
| 6 | Guild Mortgage | A | 59 | 43 | 0.0% | 6.50% |
| 7 | Alpine Bank | B | 28 | 20 | 14.3% | 8.19% |
| 8 | Pennymac Loan Services | C | 27 | 10 | 11.1% | 8.63% |
| 9 | Mortgage Research Center | C | 27 | 12 | 29.6% | 6.13% |
| 10 | U.S. Bank | D | 25 | 15 | 20.0% | 7.40% |
| 11 | Ark-La-Tex Financial Services, LLC. | A | 25 | 21 | 0.0% | 6.81% |
| 12 | Oakstar Bank | A | 23 | 17 | 17.4% | 7.25% |
| 13 | Nationstar Mortgage | C | 21 | 15 | 14.3% | 6.88% |
| 14 | BMO Bank | F | 21 | 11 | 28.6% | 9.00% |
| 15 | The Central Trust Bank | C | 20 | 16 | 0.0% | 6.49% |
| 16 | Freedom Mortgage | B | 20 | 6 | 10.0% | 6.00% |
| 17 | Loandepot.Com | D | 18 | 11 | 16.7% | 7.13% |
| 18 | Fairway Independent Mortgage | B | 17 | 8 | 11.8% | 6.49% |
| 19 | Mortgage Solutions of Colorado | C | 15 | 10 | 6.7% | 7.06% |
| 20 | AmeriSave Mortgage | D | 14 | 4 | 57.1% | 8.38% |
| 21 | Newrez | D | 14 | 2 | 14.3% | 6.31% |
| 22 | Spring Eq | D | 13 | 7 | 38.5% | 7.85% |
| 23 | Vanderbilt Mortgage and Finance | F | 12 | 1 | 8.3% | 8.25% |
| 24 | Lakeview Loan Servicing | C | 11 | 3 | 27.3% | 9.50% |
| 25 | American Financing | D | 11 | 3 | 63.6% | 6.13% |
Best approval odds in Delta County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cornerstone Capital Bank | 154 | 0.7% |
| 2 | Rocket Mortgage | 75 | 16.0% |
| 3 | United Shore Financial Services | 78 | 21.8% |
| 4 | Bank of Colorado | 71 | 26.8% |
What Delta County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Delta County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,124 | 616 | 20.1% | 7.11% | $195,000 |
| 2024 | 1,269 | 690 | 17.8% | 6.87% | $205,000 |
| 2025 | 1,408 | 838 | 14.5% | 6.68% | $215,000 |
Frequently asked questions
14.5% of applications in Delta County were denied in 2025, against 15.6% statewide in Colorado.
Cornerstone Capital Bank, with 196 applications in 2025 and a denial rate of 0.5%.
The median mortgage application in Delta County in 2025 was for $215,000; the median property value on originated loans was $395,000.