Largest lenders in El Paso County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | ENT Credit Union | B | 6,516 | 4,499 | 18.6% | 7.50% |
| 2 | United Shore Financial Services | B | 3,910 | 3,125 | 7.3% | 6.00% |
| 3 | Rocket Mortgage | C | 1,609 | 1,221 | 13.4% | 6.38% |
| 4 | Mortgage Research Center | C | 1,138 | 465 | 21.6% | 5.99% |
| 5 | Freedom Mortgage | B | 1,007 | 492 | 4.9% | 5.75% |
| 6 | Navy Federal Credit Union | D | 942 | 438 | 20.5% | 7.75% |
| 7 | Guaranteed Rate | B | 889 | 525 | 2.0% | 6.25% |
| 8 | Newrez | D | 773 | 346 | 12.2% | 6.25% |
| 9 | Pennymac Loan Services | C | 680 | 389 | 10.7% | 6.00% |
| 10 | Guild Mortgage | A | 572 | 391 | 3.0% | 6.13% |
| 11 | U.S. Bank | D | 494 | 216 | 38.1% | 7.95% |
| 12 | Loandepot.Com | D | 444 | 294 | 16.2% | 6.13% |
| 13 | Fairway Independent Mortgage | B | 414 | 299 | 2.2% | 6.25% |
| 14 | Lakeview Loan Servicing | C | 391 | 145 | 40.2% | 5.75% |
| 15 | NFM | A | 376 | 309 | 0.5% | 6.25% |
| 16 | Security Service Federal Credit Union | C | 368 | 199 | 17.1% | 6.99% |
| 17 | Spring Eq | D | 367 | 116 | 50.1% | 9.26% |
| 18 | The Central Trust Bank | C | 341 | 261 | 1.2% | 6.38% |
| 19 | Broker Solutions | D | 335 | 153 | 9.0% | 6.63% |
| 20 | CMG Mortgage | A | 316 | 206 | 5.4% | 6.13% |
| 21 | Coastal Community Bank | C | 302 | 73 | 2.7% | 9.49% |
| 22 | Mortgage Solutions of Colorado | C | 297 | 220 | 2.7% | 6.25% |
| 23 | NBH Bank | C | 267 | 189 | 6.4% | 6.50% |
| 24 | Flat Branch Mortgage | A | 266 | 211 | 0.0% | 6.13% |
| 25 | Air Academy Federal Credit Union | B | 258 | 199 | 7.0% | 5.99% |
Best approval odds in El Paso County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Towne Mortgage | 58 | 0.0% |
| 2 | Primary Residential Mortgage | 53 | 0.0% |
| 3 | Integrity Mortgage & Financial | 67 | 0.0% |
| 4 | Priority Home Mortgage | 68 | 0.0% |
| 5 | Flat Branch Mortgage | 211 | 0.0% |
| 6 | Nest Home Lending | 190 | 0.5% |
| 7 | NFM | 311 | 0.6% |
| 8 | Movement Mortgage | 102 | 1.0% |
| 9 | Plains Commerce Bank | 94 | 1.1% |
| 10 | The Central Trust Bank | 267 | 1.5% |
What El Paso County borrowers applied for
By loan purpose
By loan type
Why applications were denied
El Paso County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 30,942 | 19,030 | 16.0% | 6.75% | $305,000 |
| 2024 | 33,472 | 20,349 | 15.5% | 6.63% | $325,000 |
| 2025 | 36,238 | 22,428 | 14.4% | 6.49% | $335,000 |
Frequently asked questions
14.4% of applications in El Paso County were denied in 2025, against 15.6% statewide in Colorado.
ENT Credit Union, with 6,516 applications in 2025 and a denial rate of 18.6%.
The median mortgage application in El Paso County in 2025 was for $335,000; the median property value on originated loans was $485,000.