Largest lenders in La Plata County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 371 | 292 | 7.0% | 6.50% |
| 2 | The Central Trust Bank | C | 131 | 106 | 3.8% | 6.75% |
| 3 | Alpine Bank | B | 127 | 89 | 11.8% | 7.75% |
| 4 | Rocket Mortgage | C | 125 | 92 | 13.6% | 6.69% |
| 5 | Bank of Colorado | C | 123 | 84 | 7.3% | 7.00% |
| 6 | Glacier Bank | D | 90 | 56 | 11.1% | 7.00% |
| 7 | Credit Union of Colorado, a Federal Credit Union | C | 85 | 54 | 23.5% | 7.25% |
| 8 | Zions Bancorporation | B | 42 | 28 | 23.8% | 7.85% |
| 9 | 21st Mortgage | F | 38 | 9 | 29.0% | 8.91% |
| 10 | Triad Financial Services | D | 38 | 13 | 18.4% | 8.76% |
| 11 | Pennymac Loan Services | C | 34 | 23 | 14.7% | 6.38% |
| 12 | Flanagan State Bank | D | 31 | 24 | 16.1% | 6.50% |
| 13 | Spring Eq | D | 30 | 7 | 46.7% | 7.95% |
| 14 | Newrez | D | 30 | 10 | 20.0% | 6.75% |
| 15 | The Loan Store | B | 28 | 21 | 7.1% | 6.49% |
| 16 | Guild Mortgage | A | 27 | 22 | 3.7% | 6.56% |
| 17 | Tbk Bank | D | 27 | 21 | 0.0% | — |
| 18 | JPMorgan Chase Bank | B | 24 | 15 | 4.2% | 6.25% |
| 19 | Freedom Mortgage | B | 22 | 8 | 9.1% | 6.06% |
| 20 | Navy Federal Credit Union | D | 22 | 10 | 18.2% | 7.00% |
| 21 | Figure Lending | C | 22 | 9 | 31.8% | 8.35% |
| 22 | Broker Solutions | D | 20 | 9 | 5.0% | 7.25% |
| 23 | Guaranteed Rate | B | 18 | 5 | 5.6% | 6.13% |
| 24 | Mortgage Research Center | C | 18 | 5 | 11.1% | 6.13% |
| 25 | Provident Funding Associates | A | 18 | 6 | 11.1% | 6.63% |
Best approval odds in La Plata County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Central Trust Bank | 111 | 4.5% |
| 2 | United Shore Financial Services | 325 | 8.0% |
| 3 | Bank of Colorado | 95 | 9.5% |
| 4 | Alpine Bank | 115 | 13.0% |
| 5 | Glacier Bank | 66 | 15.2% |
| 6 | Rocket Mortgage | 112 | 15.2% |
| 7 | Credit Union of Colorado, a Federal Credit Union | 75 | 26.7% |
What La Plata County borrowers applied for
By loan purpose
By loan type
Why applications were denied
La Plata County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,846 | 1,092 | 17.6% | 7.16% | $285,000 |
| 2024 | 2,033 | 1,212 | 16.1% | 7.00% | $315,000 |
| 2025 | 2,300 | 1,420 | 13.4% | 6.75% | $345,000 |
Frequently asked questions
13.4% of applications in La Plata County were denied in 2025, against 15.6% statewide in Colorado.
United Shore Financial Services, with 371 applications in 2025 and a denial rate of 7.0%.
The median mortgage application in La Plata County in 2025 was for $345,000; the median property value on originated loans was $715,000.