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Douglas County, Colorado · 2025

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

507 lenders acted on 20,551 mortgage applications for properties in Douglas County in 2025. 13.6% were denied (Colorado: 15.6%). Median rate on closed loans 6.62%; median loan $445,000; median property value $755,000.

21kApplications
13.6%Denial ratestate 15.6%
6.62%Median ratestate 6.63%
$445,000Median loan
$755,000Median property value

Largest lenders in Douglas County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 2,0211,679 6.2%6.13%
2 Rocket Mortgage C 994756 12.7%6.50%
3 ENT Credit Union B 849582 18.3%7.50%
4 Bellco Credit Union F 821447 33.9%8.00%
5 Canvas Credit Union C 587383 12.1%7.89%
6 U.S. Bank D 519260 30.4%8.20%
7 American Financing D 39998 39.9%6.50%
8 Pennymac Loan Services C 387230 6.7%6.38%
9 FirstBank C 382243 12.6%7.50%
10 Guild Mortgage A 338256 1.8%6.62%
11 Shea Mortgage A 311241 2.3%6.25%
12 Spring Eq D 30291 51.0%9.08%
13 Newrez D 297131 16.8%6.63%
14 Navy Federal Credit Union D 288136 16.7%7.75%
15 JPMorgan Chase Bank B 277181 7.9%6.38%
16 Crosscountry Mortgage B 246166 2.9%6.63%
17 Toll Brothers Mortgage A 246158 7.3%6.25%
18 Coastal Community Bank C 24455 2.1%9.99%
19 Bank of America F 236104 29.2%5.99%
20 Broker Solutions D 229144 5.2%6.50%
21 Lennar Mortgage A 224180 2.2%3.99%
22 Freedom Mortgage B 20899 7.7%5.88%
23 Fairway Independent Mortgage B 204141 4.4%6.63%
24 Guaranteed Rate B 202118 3.0%6.50%
25 Westerra Credit Union D 200119 18.5%7.99%

Best approval odds in Douglas County

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

#LenderDecidedDecision denial rate
1Keystone Funding560.0%
2Sunflower Bank590.0%
3Swbc Mortgage800.0%
4V.i.p. Mortgage791.3%
5Guild Mortgage2782.2%
6CMG Mortgage1362.2%
7Lennar Mortgage1852.7%
8Shea Mortgage2492.8%
9Coastal Community Bank1712.9%
10Taylor Morrison Home Funding1343.0%

What Douglas County borrowers applied for

By loan purpose

Home purchase 8,840 43% · 4.7% denied
Refinance 3,668 18% · 12.8% denied
Cash-out refinance 3,121 15% · 21.1% denied
Home improvement 2,093 10% · 22.7% denied
Other / HELOC 2,829 14% · 27.5% denied

By loan type

Conventional 17,502 85% · 13.8% denied
FHA 1,545 8% · 15.6% denied
VA 1,501 7% · 8.5% denied
USDA / RHS 3 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,189 43%
Credit history 411 15%
Incomplete application 399 14%
Collateral 345 12%
Other 262 9%
Unverifiable information 97 3%
Insufficient cash 57 2%
Employment history 26 1%
Mortgage insurance denied 1 0%

Douglas County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202318,09811,31114.8%6.88%$385,000
202418,58411,82314.2%6.88%$405,000
202520,55113,02213.6%6.62%$445,000

Frequently asked questions

13.6% of applications in Douglas County were denied in 2025, against 15.6% statewide in Colorado.

United Shore Financial Services, with 2,021 applications in 2025 and a denial rate of 6.2%.

The median mortgage application in Douglas County in 2025 was for $445,000; the median property value on originated loans was $755,000.