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Larimer County, Colorado · 2025

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

459 lenders acted on 15,570 mortgage applications for properties in Larimer County in 2025. 13.6% were denied (Colorado: 15.6%). Median rate on closed loans 6.63%; median loan $325,000; median property value $575,000.

16kApplications
13.6%Denial ratestate 15.6%
6.63%Median ratestate 6.63%
$325,000Median loan
$575,000Median property value

Largest lenders in Larimer County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 1,175943 9.0%6.25%
2 Canvas Credit Union C 671438 10.0%7.89%
3 ENT Credit Union B 595401 19.0%7.50%
4 Elevations C 590388 11.0%6.99%
5 Rocket Mortgage C 543407 13.4%6.75%
6 Guild Mortgage A 455321 3.1%6.63%
7 First National Bank of Omaha C 393232 25.7%7.15%
8 First Western Trust Bank A 383298 0.3%6.38%
9 FirstBank C 356253 8.7%7.25%
10 Bank of Colorado C 307215 9.1%6.97%
11 Dhi Mortgage Company B 302194 13.3%4.99%
12 Loandepot.Com D 250169 8.8%6.13%
13 U.S. Bank D 249125 29.3%7.60%
14 Group Mortgage A 244200 0.4%6.49%
15 JPMorgan Chase Bank B 231156 9.1%6.49%
16 Crosscountry Mortgage B 227140 4.4%6.63%
17 Fairway Independent Mortgage B 226145 5.8%6.63%
18 CMG Mortgage A 226140 4.4%6.75%
19 Newrez D 21691 13.9%6.88%
20 Guaranteed Rate B 214129 3.3%6.63%
21 Pennymac Loan Services C 207135 9.7%6.62%
22 Jet Homeloans A 206112 2.4%4.99%
23 American Financing D 20059 40.5%6.63%
24 Spring Eq D 18246 52.2%8.80%
25 21st Mortgage F 17617 56.8%11.43%

Best approval odds in Larimer County

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

#LenderDecidedDecision denial rate
1First Western Trust Bank3160.3%
2Group Mortgage2010.5%
3Unnamed lender 254900RNV63A0TIZNK90941.1%
4Harmony Home Lending671.5%
5Megastar Financial581.7%
6Keystone Funding531.9%
7Coastal Community Bank742.7%
8Gateway First Bank603.3%
9Guild Mortgage3633.9%
10Jet Homeloans1174.3%

What Larimer County borrowers applied for

By loan purpose

Home purchase 7,308 47% · 7.4% denied
Refinance 2,577 17% · 13.2% denied
Cash-out refinance 2,435 16% · 18.8% denied
Home improvement 1,337 9% · 20.1% denied
Other / HELOC 1,913 12% · 26.5% denied

By loan type

Conventional 13,094 84% · 13.6% denied
FHA 1,464 9% · 16.1% denied
VA 999 6% · 10.2% denied
USDA / RHS 13 0% · 7.7% denied

Why applications were denied

Debt-to-income ratio 868 41%
Credit history 407 19%
Incomplete application 266 13%
Collateral 250 12%
Other 166 8%
Unverifiable information 84 4%
Insufficient cash 46 2%
Employment history 25 1%

Larimer County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202313,3688,26915.2%7.00%$275,000
202414,2258,75115.6%6.99%$295,000
202515,5709,67913.6%6.63%$325,000

Frequently asked questions

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

United Shore Financial Services, with 1,175 applications in 2025 and a denial rate of 9.0%.

The median mortgage application in Larimer County in 2025 was for $325,000; the median property value on originated loans was $575,000.