Largest lenders in Garfield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Alpine Bank | B | 524 | 366 | 12.6% | 8.13% |
| 2 | United Shore Financial Services | B | 144 | 108 | 9.7% | 6.31% |
| 3 | 21st Mortgage | F | 125 | 18 | 48.8% | 10.36% |
| 4 | Triad Financial Services | D | 117 | 25 | 48.7% | 9.60% |
| 5 | Rocket Mortgage | C | 112 | 79 | 17.0% | 6.75% |
| 6 | Bay Equity | B | 110 | 66 | 6.4% | 6.88% |
| 7 | Vanderbilt Mortgage and Finance | F | 107 | 6 | 41.1% | 10.12% |
| 8 | ANB Bank | C | 98 | 47 | 24.5% | 6.50% |
| 9 | FirstBank | C | 97 | 70 | 11.3% | 7.00% |
| 10 | Guild Mortgage | A | 96 | 70 | 5.2% | 6.56% |
| 11 | T2 Financial | B | 82 | 61 | 4.9% | 6.75% |
| 12 | Guaranteed Rate | B | 80 | 35 | 12.5% | 6.43% |
| 13 | Bank of Colorado | C | 70 | 50 | 14.3% | 7.13% |
| 14 | Canvas Credit Union | C | 51 | 31 | 15.7% | 8.14% |
| 15 | U.S. Bank | D | 50 | 21 | 50.0% | 7.95% |
| 16 | Newrez | D | 45 | 16 | 20.0% | 6.25% |
| 17 | Fairway Independent Mortgage | B | 44 | 27 | 6.8% | 6.63% |
| 18 | Pennymac Loan Services | C | 40 | 23 | 5.0% | 7.00% |
| 19 | Spring Eq | D | 33 | 5 | 66.7% | 7.19% |
| 20 | Paramount Residential Mortgage Group | B | 33 | 25 | 0.0% | 6.38% |
| 21 | Freedom Mortgage | B | 32 | 11 | 6.3% | 6.25% |
| 22 | Nationstar Mortgage | C | 27 | 16 | 18.5% | 7.31% |
| 23 | Crosscountry Mortgage | B | 26 | 15 | 3.9% | 6.75% |
| 24 | American Financing | D | 26 | 6 | 30.8% | 6.13% |
| 25 | Bank of America | F | 24 | 6 | 41.7% | 5.87% |
Best approval odds in Garfield County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | T2 Financial | 69 | 5.8% |
| 2 | Guild Mortgage | 79 | 6.3% |
| 3 | Bay Equity | 74 | 9.5% |
| 4 | United Shore Financial Services | 123 | 11.4% |
| 5 | FirstBank | 82 | 13.4% |
| 6 | Alpine Bank | 468 | 14.1% |
| 7 | Bank of Colorado | 63 | 15.9% |
| 8 | Rocket Mortgage | 103 | 18.5% |
| 9 | ANB Bank | 72 | 33.3% |
| 10 | Triad Financial Services | 116 | 49.1% |
What Garfield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Garfield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,466 | 1,294 | 19.6% | 7.13% | $255,000 |
| 2024 | 2,777 | 1,484 | 22.4% | 7.08% | $275,000 |
| 2025 | 3,062 | 1,666 | 18.7% | 6.99% | $295,000 |
Frequently asked questions
18.7% of applications in Garfield County were denied in 2025, against 15.6% statewide in Colorado.
Alpine Bank, with 524 applications in 2025 and a denial rate of 12.6%.
The median mortgage application in Garfield County in 2025 was for $295,000; the median property value on originated loans was $690,000.