Refinancing lenders in Denver County
2,565 refinancing mortgages were made in Denver County, Colorado, in 2025, by 325 lenders. The median rate their borrowers got was 6.125% on a median loan of $475,000. Of 3,418 decisions, 681 were denials — 19.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 493 | 5.999% | $525,000 | 12.8% |
| Rocket Mortgage, LLC | 144 | 5.990% | $470,000 | 23.1% |
| FirstBank | 83 | 7.500% | $225,000 | 21.3% |
| ENT Credit Union | 75 | 7.500% | $205,000 | 20.2% |
| GUILD MORTGAGE COMPANY | 61 | 6.250% | $575,000 | 3.0% |
| JPMorgan Chase Bank, National Association | 59 | 6.125% | $655,000 | 1.6% |
| WESTERRA CREDIT UNION | 57 | 7.990% | $105,000 | 21.1% |
| PENNYMAC LOAN SERVICES, LLC | 56 | 5.995% | $570,000 | 9.2% |
| CMG MORTGAGE, INC. | 54 | 6.375% | $555,000 | 4.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 39 | 6.325% | $495,000 | 4.9% |
| GUARANTEED RATE, INC. | 37 | 6.125% | $565,000 | 5.0% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.000% | $465,000 | 3.8% |
| Zions Bancorporation, N.A. | 35 | 7.850% | $235,000 | 38.6% |
| ELEVATIONS | 34 | 6.000% | $610,000 | 10.0% |
| U.S. Bank National Association | 33 | 6.125% | $815,000 | 15.4% |
| UMB Bank, National Association | 32 | 5.990% | $255,000 | 34.7% |
| CANVAS CREDIT UNION | 32 | 6.375% | $455,000 | 5.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 6.138% | $275,000 | 6.7% |
| SWBC MORTGAGE CORPORATION | 28 | 6.250% | $510,000 | 0.0% |
| Bank of America, National Association | 27 | 5.625% | $625,000 | 29.0% |
| CREDIT UNION OF DENVER | 27 | 7.000% | $105,000 | 27.0% |
| MidFirst Bank | 26 | 6.920% | $430,000 | 3.6% |
| NEWREZ LLC | 24 | 5.995% | $430,000 | 27.3% |
| Broker Solutions, Inc. | 23 | 6.625% | $445,000 | 11.5% |
| The Huntington National Bank | 23 | 6.250% | $465,000 | 35.1% |
| MOVEMENT MORTGAGE, LLC | 23 | 6.500% | $555,000 | 4.0% |
| Synergy One Lending, Inc. | 22 | 6.000% | $465,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 21 | 6.990% | $255,000 | 34.4% |
| PNC Bank, National Association | 21 | 7.440% | $185,000 | 31.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.000% | $595,000 | 8.7% |
| Fairway Independent Mortgage Corporation | 20 | 6.490% | $500,000 | 25.0% |
| FINANCE OF AMERICA REVERSE LLC | 20 | 6.063% | $260,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 19 | 6.000% | $395,000 | 9.1% |
| THE LOAN STORE, INC. | 17 | 6.375% | $435,000 | 12.5% |
| GUARANTEED RATE AFFINITY, LLC | 17 | 6.125% | $565,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 17 | 5.995% | $615,000 | 5.6% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.125% | $430,000 | 61.5% |
| Alpine Bank | 16 | 7.420% | $455,000 | 5.6% |
| BOKF, National Association | 15 | 6.125% | $405,000 | 30.4% |
| MORIA DEVELOPMENT, INC. | 14 | 6.438% | $295,000 | 12.5% |
| Charles Schwab Bank, SSB | 14 | 5.738% | $1,155,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 14 | 6.188% | $515,000 | 0.0% |
| PHH Mortgage Corporation | 13 | 5.990% | $415,000 | 12.5% |
| 254900CTT87ZKAUTIJ37 | 13 | 11.500% | $3,335,000 | 13.3% |
| Luminate Bank | 13 | 6.000% | $455,000 | 0.0% |
| LOWER, LLC | 13 | 6.125% | $495,000 | 0.0% |
| V.I.P. MORTGAGE, INC. | 13 | 6.250% | $475,000 | 0.0% |
| OriginPoint, LLC | 12 | 6.188% | $560,000 | 0.0% |
| Northpointe Bank | 12 | 5.990% | $515,000 | 7.7% |
| Sunflower Bank, National Association | 11 | 6.490% | $545,000 | 0.0% |
| Climb Credit Union | 11 | 7.200% | $145,000 | 26.7% |
| KEYSTONE FUNDING, INC. | 11 | 6.125% | $565,000 | 0.0% |
| MEGASTAR FINANCIAL CORP. | 10 | 6.313% | $555,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 5.875% | $555,000 | 23.1% |
| KIND LENDING, LLC | 10 | 6.750% | $520,000 | 23.1% |
| Citibank, National Association | 10 | 5.875% | $410,000 | 28.6% |
| Prosperity Home Mortgage, LLC | 10 | 6.625% | $690,000 | 0.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 23.1% |
| 254900RNV63A0TIZNK90 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| First Western Trust Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PARTNER COLORADO | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 6.7% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| American Liberty Mortgage, Incorporated | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| North Valley Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 6 | Under 10 loans | Under 10 loans | 53.8% |
| Farmers Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| M2 LENDING SOLUTIONS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 5 | Under 10 loans | Under 10 loans | 72.2% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 44.4% |
| COLORADO CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Bank of Colorado | 5 | Under 10 loans | Under 10 loans | 22.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 14.3% |
| GOLDEN EMPIRE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PREMIER MEMBERS CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 90.7% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| BELLCO CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MidWestOne Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NexBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WEST GATE BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 84.2% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANB Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Blue Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American State Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Air Academy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BoxCar Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMET LENDING GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FITZSIMONS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peak Financial LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rocky Mountain Law Enforcement Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845005BP6974AE5D838 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal 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 125 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.