Refinancing lenders in Adams County
1,818 refinancing mortgages were made in Adams County, Colorado, in 2025, by 292 lenders. The median rate their borrowers got was 6.125% on a median loan of $405,000. Of 2,696 decisions, 714 were denials — 26.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 386 | 5.999% | $485,000 | 14.0% |
| Rocket Mortgage, LLC | 135 | 5.935% | $415,000 | 22.0% |
| ENT Credit Union | 93 | 7.990% | $105,000 | 26.4% |
| FREEDOM MORTGAGE CORPORATION | 83 | 5.875% | $465,000 | 6.3% |
| FirstBank | 59 | 7.340% | $165,000 | 20.3% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 5.990% | $435,000 | 10.0% |
| CMG MORTGAGE, INC. | 30 | 6.125% | $420,000 | 0.0% |
| NEWREZ LLC | 29 | 5.750% | $505,000 | 28.6% |
| LAKEVIEW LOAN SERVICING, LLC | 26 | 5.990% | $500,000 | 54.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.214% | $470,000 | 12.5% |
| WESTERRA CREDIT UNION | 26 | 7.990% | $95,000 | 20.6% |
| CANVAS CREDIT UNION | 25 | 7.375% | $145,000 | 10.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 5.875% | $265,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 20 | 6.375% | $410,000 | 12.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 19 | 6.000% | $495,000 | 2.5% |
| AMERICAN FINANCING CORPORATION | 18 | 5.625% | $370,000 | 87.1% |
| Broker Solutions, Inc. | 17 | 6.375% | $435,000 | 15.0% |
| NATIONSTAR MORTGAGE LLC | 17 | 5.990% | $405,000 | 15.0% |
| CREDIT UNION OF DENVER | 16 | 7.000% | $85,000 | 38.5% |
| PNC Bank, National Association | 15 | 6.000% | $165,000 | 40.7% |
| Fairway Independent Mortgage Corporation | 15 | 6.125% | $475,000 | 11.8% |
| JPMorgan Chase Bank, National Association | 15 | 6.490% | $355,000 | 16.7% |
| Climb Credit Union | 15 | 7.950% | $185,000 | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.250% | $195,000 | 23.5% |
| Zions Bancorporation, N.A. | 12 | 7.850% | $230,000 | 37.5% |
| First National Bank of Omaha | 12 | 2.990% | $105,000 | 40.9% |
| THE LOAN STORE, INC. | 12 | 6.058% | $360,000 | 18.8% |
| 254900RNV63A0TIZNK90 | 12 | 6.625% | $450,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 12 | 5.875% | $490,000 | 7.7% |
| Discover Bank | 11 | 8.560% | $125,000 | 47.6% |
| LoanUnited.com, LLC | 11 | 5.750% | $435,000 | 35.3% |
| Loandepot.Com, LLC | 11 | 5.625% | $435,000 | 26.7% |
| U.S. Bank National Association | 11 | 7.700% | $215,000 | 15.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 11 | 6.125% | $475,000 | 8.3% |
| COLORADO CREDIT UNION | 10 | 7.750% | $170,000 | 9.1% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 28.6% |
| PREMIER MEMBERS CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 52.9% |
| BOKF, National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNER COLORADO | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ELEVATIONS | 7 | Under 10 loans | Under 10 loans | 22.2% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| MORIA DEVELOPMENT, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Sunflower Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Blue Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 14.3% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ON TAP CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GOLDEN EMPIRE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Colorado Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 50.0% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| V.I.P. MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE DISTRICT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 89.7% |
| BELLCO CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FITZSIMONS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American Liberty Mortgage, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 20.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEST HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of Colorado | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANB Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL HOME LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidWestOne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M2 LENDING SOLUTIONS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUGUSTA FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 77.8% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chickasaw Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zing Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESIDENTIAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 98450058D88OE4463626 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RNB State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Space Age Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AHL FUNDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Weld Community Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTIER BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GROUP MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | 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 92 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.