Largest lenders in Fremont County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | ENT Credit Union | B | 235 | 131 | 23.8% | 7.99% |
| 2 | United Shore Financial Services | B | 160 | 130 | 8.1% | 6.13% |
| 3 | The Mortgage | B | 132 | 86 | 2.3% | 6.50% |
| 4 | Rocket Mortgage | C | 105 | 76 | 16.2% | 6.50% |
| 5 | Credit Union of Colorado, a Federal Credit Union | C | 95 | 57 | 21.1% | 7.25% |
| 6 | The Central Trust Bank | C | 71 | 50 | 2.8% | 6.50% |
| 7 | Mortgage Research Center | C | 60 | 24 | 25.0% | 6.19% |
| 8 | U.S. Bank | D | 57 | 19 | 45.6% | 7.95% |
| 9 | Pennymac Loan Services | C | 43 | 23 | 16.3% | 6.50% |
| 10 | Guaranteed Rate | B | 41 | 23 | 9.8% | 6.56% |
| 11 | High Country Bank | A | 41 | 35 | 7.3% | 6.38% |
| 12 | Freedom Mortgage | B | 40 | 18 | 2.5% | 6.19% |
| 13 | Click n' Close | C | 35 | 24 | 2.9% | 6.31% |
| 14 | Broker Solutions | D | 29 | 9 | 13.8% | 6.75% |
| 15 | Loandepot.Com | D | 29 | 14 | 20.7% | 6.63% |
| 16 | AmeriSave Mortgage | D | 28 | 8 | 53.6% | 8.88% |
| 17 | Newrez | D | 28 | 10 | 10.7% | 6.62% |
| 18 | Navy Federal Credit Union | D | 26 | 6 | 38.5% | 6.50% |
| 19 | New Day Financial | F | 25 | 6 | 12.0% | 6.68% |
| 20 | 21st Mortgage | F | 24 | 3 | 58.3% | 10.12% |
| 21 | Village Capital & Investment | C | 24 | 6 | 33.3% | 6.06% |
| 22 | Spring Eq | D | 24 | 6 | 45.8% | 8.11% |
| 23 | Nationstar Mortgage | C | 23 | 12 | 17.4% | 7.12% |
| 24 | Glacier Bank | D | 23 | 14 | 13.0% | 7.56% |
| 25 | Guild Mortgage | A | 23 | 15 | 4.4% | 6.56% |
Best approval odds in Fremont County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Mortgage | 94 | 3.2% |
| 2 | The Central Trust Bank | 52 | 3.9% |
| 3 | United Shore Financial Services | 144 | 9.0% |
| 4 | Rocket Mortgage | 95 | 17.9% |
| 5 | ENT Credit Union | 233 | 24.0% |
| 6 | Credit Union of Colorado, a Federal Credit Union | 77 | 26.0% |
What Fremont County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Fremont County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,852 | 1,023 | 19.1% | 6.88% | $205,000 |
| 2024 | 1,971 | 1,087 | 19.4% | 6.88% | $205,000 |
| 2025 | 2,259 | 1,228 | 17.7% | 6.63% | $215,000 |
Frequently asked questions
17.7% of applications in Fremont County were denied in 2025, against 15.6% statewide in Colorado.
ENT Credit Union, with 235 applications in 2025 and a denial rate of 23.8%.
The median mortgage application in Fremont County in 2025 was for $215,000; the median property value on originated loans was $355,000.