Mortgage lenders in Adams County
13,838 mortgages were made in Adams County, Colorado, in 2025, by 503 lenders. The median rate their borrowers got was 6.500% on a median loan of $365,000. Of 19,455 decisions, 4,786 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,582 | 6.125% | $435,000 | 11.8% |
| Rocket Mortgage, LLC | 719 | 6.611% | $315,000 | 17.4% |
| BELLCO CREDIT UNION | 394 | 8.000% | $85,000 | 51.3% |
| GUILD MORTGAGE COMPANY | 354 | 6.375% | $340,000 | 2.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | 337 | 4.500% | $525,000 | 14.0% |
| NEST HOME LENDING, LLC | 319 | 5.125% | $375,000 | 1.5% |
| ENT Credit Union | 317 | 7.875% | $105,000 | 31.2% |
| CANVAS CREDIT UNION | 313 | 7.890% | $95,000 | 22.5% |
| LENNAR MORTGAGE, LLC | 283 | 3.990% | $485,000 | 10.7% |
| Loandepot.Com, LLC | 276 | 5.500% | $445,000 | 19.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 243 | 6.500% | $455,000 | 7.9% |
| AMERICAN FINANCING CORPORATION | 241 | 6.000% | $285,000 | 57.3% |
| KBHS HOME LOANS, LLC | 237 | 4.990% | $505,000 | 5.1% |
| FirstBank | 232 | 7.050% | $205,000 | 27.2% |
| Loan Simple, Inc. | 221 | 6.375% | $415,000 | 4.7% |
| Broker Solutions, Inc. | 197 | 6.375% | $375,000 | 8.8% |
| CMG MORTGAGE, INC. | 184 | 6.313% | $405,000 | 4.1% |
| Fairway Independent Mortgage Corporation | 182 | 6.625% | $420,000 | 6.2% |
| GUARANTEED RATE, INC. | 165 | 6.375% | $375,000 | 11.2% |
| PENNYMAC LOAN SERVICES, LLC | 163 | 6.200% | $365,000 | 19.2% |
| FREEDOM MORTGAGE CORPORATION | 152 | 5.750% | $460,000 | 13.5% |
| ELEVATIONS | 144 | 6.875% | $305,000 | 16.7% |
| DHI MORTGAGE COMPANY, LTD. | 141 | 4.500% | $505,000 | 21.2% |
| U.S. Bank National Association | 138 | 8.450% | $105,000 | 54.1% |
| NEWREZ LLC | 134 | 6.375% | $395,000 | 36.2% |
| NATIONSTAR MORTGAGE LLC | 129 | 8.375% | $95,000 | 13.7% |
| V.I.P. MORTGAGE, INC. | 125 | 6.125% | $425,000 | 0.8% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 123 | 7.250% | $95,000 | 28.0% |
| JPMorgan Chase Bank, National Association | 116 | 6.625% | $315,000 | 17.7% |
| 21st Mortgage Corporation | 113 | 10.470% | $105,000 | 78.3% |
| THE LOAN STORE, INC. | 113 | 6.500% | $395,000 | 13.0% |
| SPRING EQ, LLC | 112 | 9.488% | $75,000 | 56.9% |
| LOWER, LLC | 109 | 6.250% | $415,000 | 9.2% |
| Navy Federal Credit Union | 102 | 7.500% | $215,000 | 33.1% |
| PREMIER MEMBERS CREDIT UNION | 102 | 8.000% | $95,000 | 19.7% |
| EVERETT FINANCIAL, INC. | 93 | 6.375% | $405,000 | 8.7% |
| Climb Credit Union | 93 | 7.500% | $125,000 | 21.2% |
| Luminate Bank | 90 | 6.000% | $450,000 | 7.2% |
| Taylor Morrison Home Funding, Inc. | 88 | 4.750% | $505,000 | 11.1% |
| INSPIRE HOME LOANS INC. | 83 | 4.875% | $525,000 | 10.4% |
| MOVEMENT MORTGAGE, LLC | 81 | 6.437% | $415,000 | 1.1% |
| Synergy One Lending, Inc. | 79 | 6.500% | $405,000 | 0.0% |
| WESTERRA CREDIT UNION | 78 | 7.990% | $85,000 | 39.3% |
| BOKF, National Association | 76 | 6.375% | $205,000 | 29.0% |
| Paramount Residential Mortgage Group, Inc. | 74 | 5.990% | $370,000 | 6.3% |
| ZILLOW HOME LOANS, LLC | 71 | 6.125% | $415,000 | 5.3% |
| The Huntington National Bank | 70 | 7.030% | $105,000 | 43.3% |
| Zions Bancorporation, N.A. | 70 | 7.850% | $200,000 | 34.4% |
| PULTE MORTGAGE LLC | 68 | 4.990% | $495,000 | 15.0% |
| TRIAD FINANCIAL SERVICES, INC. | 66 | 9.125% | $105,000 | 51.0% |
| BMO Bank National Association | 66 | 8.680% | $105,000 | 51.1% |
| Mortgage Research Center, LLC | 65 | 5.990% | $485,000 | 43.5% |
| 254900RNV63A0TIZNK90 | 64 | 6.625% | $430,000 | 1.3% |
| PNC Bank, National Association | 61 | 7.190% | $125,000 | 49.6% |
| PANORAMA MORTGAGE GROUP, LLC | 61 | 7.000% | $355,000 | 3.2% |
| Coastal Community Bank | 59 | 9.990% | $65,000 | 1.2% |
| COLORADO CREDIT UNION | 57 | 7.750% | $85,000 | 26.9% |
| Sunflower Bank, National Association | 57 | 6.250% | $435,000 | 1.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 53 | 6.990% | $105,000 | 15.6% |
| UNION HOME MORTGAGE CORP. | 52 | 6.188% | $485,000 | 5.3% |
| Ixonia Bank | 50 | 6.625% | $440,000 | 1.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 49 | 6.000% | $335,000 | 19.4% |
| MEGASTAR FINANCIAL CORP. | 48 | 6.500% | $400,000 | 4.0% |
| UNIVERSAL LENDING CORPORATION | 48 | 4.990% | $485,000 | 5.9% |
| FIGURE LENDING LLC | 47 | 8.300% | $75,000 | 35.3% |
| PLANET HOME LENDING, LLC | 47 | 6.375% | $315,000 | 18.6% |
| LAKEVIEW LOAN SERVICING, LLC | 45 | 6.125% | $445,000 | 62.2% |
| Bank of America, National Association | 45 | 6.250% | $235,000 | 55.9% |
| OCMBC, INC. | 44 | 7.499% | $395,000 | 14.3% |
| GUARANTEED RATE AFFINITY, LLC | 44 | 6.125% | $460,000 | 4.4% |
| Blue Federal Credit Union | 43 | 6.990% | $85,000 | 28.3% |
| CREDIT UNION OF DENVER | 43 | 6.750% | $95,000 | 49.4% |
| Plains Commerce Bank | 42 | 6.375% | $505,000 | 14.3% |
| SOUTHERN LENDING SERVICES, LTD. | 41 | 5.990% | $535,000 | 0.0% |
| Wells Fargo Bank, National Association | 40 | 6.188% | $365,000 | 25.9% |
| BETTER MORTGAGE CORPORATION | 37 | 6.750% | $235,000 | 35.1% |
| KEYSTONE FUNDING, INC. | 37 | 6.125% | $515,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 36 | 10.505% | $120,000 | 26.0% |
| NFM, INC. | 36 | 4.990% | $480,000 | 0.0% |
| PARTNER COLORADO | 35 | 6.490% | $65,000 | 47.8% |
| Discover Bank | 34 | 8.560% | $70,000 | 67.9% |
| Northpointe Bank | 34 | 6.625% | $430,000 | 8.1% |
| KIND LENDING, LLC | 33 | 6.625% | $415,000 | 33.3% |
| ALLIANT CREDIT UNION | 33 | 8.500% | $155,000 | 35.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 33 | 6.375% | $485,000 | 8.3% |
| RESICENTRAL, LLC | 32 | 6.250% | $400,000 | 7.9% |
| 254900YZ174H294JW398 | 32 | 5.495% | $540,000 | 7.7% |
| GOLDEN EMPIRE MORTGAGE, INC. | 32 | 6.500% | $355,000 | 3.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 8.490% | $105,000 | 10.8% |
| AmeriSave Mortgage Corporation | 30 | 9.000% | $95,000 | 65.3% |
| MORIA DEVELOPMENT, INC. | 30 | 6.624% | $375,000 | 3.2% |
| SUMMIT FUNDING, INC. | 29 | 6.500% | $345,000 | 13.9% |
| American Liberty Mortgage, Incorporated | 29 | 6.500% | $405,000 | 6.5% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 29 | 6.250% | $355,000 | 11.8% |
| NMSI, INC. | 29 | 6.125% | $525,000 | 0.0% |
| First National Bank of Omaha | 27 | 0.000% | $65,000 | 34.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 27 | 6.250% | $475,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 27 | 6.375% | $365,000 | 0.0% |
| JET HOMELOANS, LP | 26 | 4.990% | $530,000 | 13.3% |
| KeyBank National Association | 25 | 6.750% | $245,000 | 52.8% |
| First Western Trust Bank | 25 | 6.125% | $405,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 23 | 6.500% | $465,000 | 8.0% |
| RED ROCKS Credit Union | 23 | 7.500% | $175,000 | 17.9% |
| US MORTGAGE CORPORATION | 23 | 6.490% | $425,000 | 8.0% |
| ENVOY MORTGAGE, LTD | 23 | 6.500% | $425,000 | 0.0% |
| Citibank, National Association | 22 | 5.938% | $385,000 | 23.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 9.625% | $355,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 21 | 6.000% | $495,000 | 25.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 6.000% | $505,000 | 21.9% |
| Valon Mortgage, Inc. | 21 | 7.950% | $55,000 | 13.8% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 21 | 6.125% | $525,000 | 4.6% |
| ANB Bank | 21 | 6.125% | $75,000 | 15.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 20 | 6.625% | $350,000 | 61.8% |
| Equity Prime Mortgage LLC | 20 | 6.375% | $430,000 | 25.9% |
| GoodLeap, LLC | 20 | 7.070% | $85,000 | 28.2% |
| Texana Bank, National Association | 20 | 6.563% | $400,000 | 9.1% |
| Bank of Colorado | 20 | 6.625% | $455,000 | 20.0% |
| FIDELIS CATHOLIC FEDERAL CREDIT UNION | 20 | 7.175% | $90,000 | 4.6% |
| OriginPoint, LLC | 19 | 6.250% | $455,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 19 | 6.500% | $195,000 | 20.0% |
| ON TAP CREDIT UNION | 18 | 7.070% | $85,000 | 33.3% |
| Lendage, LLC | 18 | 10.438% | $65,000 | 9.1% |
| SWBC MORTGAGE CORPORATION | 18 | 6.625% | $480,000 | 0.0% |
| Commerce Bank | 18 | 6.750% | $390,000 | 13.6% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 18 | 9.750% | $325,000 | 0.0% |
| Click n' Close, Inc. | 17 | 7.000% | $355,000 | 0.0% |
| M2 LENDING SOLUTIONS, LLC | 17 | 6.250% | $445,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 17 | 6.500% | $415,000 | 5.3% |
| AMWEST FUNDING CORP. | 16 | 6.813% | $395,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.500% | $470,000 | 0.0% |
| LoanUnited.com, LLC | 15 | 6.000% | $435,000 | 28.6% |
| Alpine Bank | 15 | 8.240% | $115,000 | 37.5% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.500% | $385,000 | 40.0% |
| THE MORTGAGE COMPANY | 15 | 6.625% | $425,000 | 5.9% |
| First National Bank of America | 15 | 8.750% | $395,000 | 6.3% |
| JMAC LENDING, INC. | 15 | 6.250% | $445,000 | 0.0% |
| USAA Federal Savings Bank | 14 | 6.250% | $430,000 | 22.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 14 | 6.125% | $475,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 14 | 6.188% | $430,000 | 6.7% |
| TOP FLITE FINANCIAL, INC. | 14 | 6.375% | $330,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 13 | 5.990% | $285,000 | 27.8% |
| CHAMPIONS FUNDING, LLC | 13 | 7.625% | $325,000 | 43.5% |
| QUORUM FEDERAL CREDIT UNION | 13 | 8.625% | $85,000 | 44.4% |
| Zing Credit Union | 13 | 7.500% | $75,000 | 33.3% |
| Kiavi Funding, Inc. | 13 | 10.490% | $345,000 | 13.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.250% | $375,000 | 13.3% |
| Colorado Federal Savings Bank | 13 | 6.125% | $475,000 | 13.3% |
| RESIDENTIAL MORTGAGE, LLC | 13 | 6.250% | $385,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $95,000 | 48.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 12 | 6.500% | $455,000 | 29.4% |
| UMB Bank, National Association | 12 | 5.990% | $120,000 | 43.5% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.688% | $255,000 | 36.8% |
| FlexPoint, Inc. | 12 | 7.250% | $365,000 | 0.0% |
| DIRECT MORTGAGE, CORP. | 12 | 5.990% | $480,000 | 20.0% |
| CORNERSTONE CAPITAL BANK, SSB | 12 | 6.750% | $335,000 | 7.7% |
| RIGHT START MORTGAGE, INC. | 12 | 6.625% | $425,000 | 7.1% |
| NBKC BANK | 11 | 5.875% | $565,000 | 7.7% |
| Luminate Home Loans, Inc. | 11 | 6.375% | $415,000 | 8.3% |
| BAY EQUITY LLC | 11 | 6.625% | $525,000 | 7.7% |
| BoxCar Mortgage, LLC | 11 | 6.500% | $415,000 | 7.1% |
| NBH Bank | 11 | 6.250% | $355,000 | 21.4% |
| DENVER FIRE DEPARTMENT FEDERAL CREDIT UNION | 11 | 7.500% | $95,000 | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.249% | $335,000 | 20.0% |
| Gateway First Bank | 11 | 6.375% | $385,000 | 0.0% |
| PHH Mortgage Corporation | 10 | 6.000% | $325,000 | 35.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.433% | $465,000 | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.500% | $370,000 | 16.7% |
| STG MORTGAGE INC | 10 | 6.563% | $340,000 | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 10 | 7.438% | $355,000 | 16.7% |
| NexBank | 10 | 6.625% | $350,000 | 16.7% |
| Summit Mortgage Corporation | 10 | 5.625% | $415,000 | 16.7% |
| T2 FINANCIAL LLC | 10 | 6.438% | $400,000 | 0.0% |
| SOUTHWEST FUNDING, LP | 10 | 6.688% | $410,000 | 0.0% |
| SouthState Bank, National Association | 9 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 35.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 27.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 38.5% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| FITZSIMONS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| AML FUNDING LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE DISTRICT Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 86.7% |
| Peak Financial LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GROUP MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 303 lenders each made 6 or fewer mortgages here, and are counted in the totals above.
Bank branches in Adams County
83 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| PNC Bank, National Association | 12 | $887.4 million |
| Wells Fargo Bank, National Association | 10 | $1.4 billion |
| JPMorgan Chase Bank, National Association | 7 | $943.3 million |
| U.S. Bank National Association | 7 | $548.1 million |
| BMO Bank National Association | 7 | $423.0 million |
| KeyBank National Association | 5 | $181.5 million |
| Academy Bank, National Association | 5 | $137.9 million |
| The Huntington National Bank | 5 | $126.0 million |
| TBK BANK, SSB | 4 | $228.8 million |
| Zions Bancorporation, N.A. | 3 | $209.0 million |
| SouthState Bank, National Association | 3 | $191.4 million |
| Bank of America, National Association | 3 | $35.2 million |
| Bank of Colorado | 2 | $154.2 million |
| Alpine Bank | 2 | $12.3 million |
| North Valley Bank | 1 | $195.7 million |
| Commerce Bank | 1 | $113.4 million |
| First-Citizens Bank & Trust Company | 1 | $93.9 million |
| First National Bank of Omaha | 1 | $68.0 million |
| High Plains Bank | 1 | $52.8 million |
| FNB Bank | 1 | $52.3 million |
| Farmers & Merchants Bank of Colby | 1 | $38.3 million |
| PB&T Bank | 1 | $7.7 million |
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- FirstBank, 10367 Federal Blvd, Westminster
- FirstBank, 13600 Colorado Blvd, Thornton
- FirstBank, 15250 E 104th Ave, Commerce City
- FirstBank, 36 N 50th Ave, Brighton
- FirstBank, 3990 E 104th Ave, Thornton
- FirstBank, 410 E Bromley Ln, Brighton
- Wells Fargo Bank, National Association, 12000 Pecos St, Westminster
Get told when this changes
When the next year’s lending figures are out for Adams County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.