Refinancing lenders in Douglas County
2,250 refinancing mortgages were made in Douglas County, Colorado, in 2025, by 293 lenders. The median rate their borrowers got was 6.125% on a median loan of $535,000. Of 2,866 decisions, 470 were denials — 16.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 530 | 5.956% | $605,000 | 6.3% |
| ENT Credit Union | 163 | 7.500% | $205,000 | 14.8% |
| Rocket Mortgage, LLC | 149 | 5.990% | $545,000 | 13.2% |
| PENNYMAC LOAN SERVICES, LLC | 62 | 5.990% | $590,000 | 8.1% |
| FirstBank | 55 | 7.500% | $155,000 | 16.4% |
| FREEDOM MORTGAGE CORPORATION | 54 | 5.875% | $615,000 | 7.0% |
| GUILD MORTGAGE COMPANY | 44 | 6.188% | $530,000 | 2.2% |
| JPMorgan Chase Bank, National Association | 40 | 6.375% | $515,000 | 4.8% |
| WESTERRA CREDIT UNION | 34 | 7.990% | $155,000 | 16.7% |
| NEWREZ LLC | 28 | 6.125% | $550,000 | 17.7% |
| LAKEVIEW LOAN SERVICING, LLC | 27 | 5.990% | $605,000 | 51.3% |
| CMG MORTGAGE, INC. | 27 | 6.490% | $605,000 | 0.0% |
| U.S. Bank National Association | 27 | 6.625% | $595,000 | 15.8% |
| CANVAS CREDIT UNION | 27 | 6.500% | $405,000 | 3.6% |
| PNC Bank, National Association | 26 | 7.970% | $290,000 | 38.1% |
| Third Federal Savings and Loan Association of Cleveland | 25 | 6.990% | $225,000 | 44.4% |
| Zions Bancorporation, N.A. | 24 | 7.500% | $375,000 | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.350% | $635,000 | 11.5% |
| MOVEMENT MORTGAGE, LLC | 23 | 6.375% | $465,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 22 | 6.125% | $560,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 20 | 6.490% | $505,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 20 | 5.750% | $645,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.188% | $460,000 | 13.0% |
| UMB Bank, National Association | 19 | 6.000% | $405,000 | 25.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 19 | 5.995% | $615,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.125% | $565,000 | 14.3% |
| SWBC MORTGAGE CORPORATION | 18 | 6.125% | $530,000 | 0.0% |
| GUARANTEED RATE, INC. | 16 | 6.113% | $575,000 | 5.9% |
| Paramount Residential Mortgage Group, Inc. | 16 | 6.500% | $620,000 | 0.0% |
| Broker Solutions, Inc. | 15 | 5.990% | $585,000 | 6.3% |
| PHH Mortgage Corporation | 15 | 5.875% | $615,000 | 11.8% |
| CREDIT UNION OF DENVER | 14 | 6.995% | $145,000 | 33.3% |
| Bank of America, National Association | 13 | 5.990% | $175,000 | 39.1% |
| BOKF, National Association | 13 | 6.125% | $255,000 | 17.7% |
| THE LOAN STORE, INC. | 13 | 6.375% | $465,000 | 0.0% |
| Luminate Bank | 13 | 5.875% | $475,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.125% | $315,000 | 0.0% |
| Northpointe Bank | 13 | 6.470% | $555,000 | 0.0% |
| RESICENTRAL, LLC | 13 | 6.125% | $455,000 | 0.0% |
| Discover Bank | 12 | 8.600% | $120,000 | 50.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 12 | 6.313% | $615,000 | 14.3% |
| NMSI, INC. | 11 | 6.000% | $595,000 | 0.0% |
| The Huntington National Bank | 10 | 6.000% | $1,015,000 | 37.5% |
| Climb Credit Union | 10 | 8.200% | $230,000 | 16.7% |
| PLANET HOME LENDING, LLC | 10 | 5.563% | $510,000 | 15.4% |
| Sunflower Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Alpine Bank | 9 | Under 10 loans | Under 10 loans | 8.3% |
| KEYSTONE FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| OriginPoint, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| COLORADO CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 89.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| First Western Trust Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 5.6% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ELEVATIONS | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Financial Funding Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 79.2% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 254900RNV63A0TIZNK90 | 5 | Under 10 loans | Under 10 loans | 12.5% |
| MORIA DEVELOPMENT, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 78.3% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SELECT LENDING SERVICES LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BELLCO CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL HOME LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Evergreen National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET HOMELOANS, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNER COLORADO | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBH Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MEMBERS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WEST GATE BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANB Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| M2 LENDING SOLUTIONS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| METRUM COMMUNITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR ONE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arbor Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 71.4% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEST HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RED ROCKS Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Rocky Mountain Law Enforcement Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| F&A Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| High Country Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTIER BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INSPIRE HOME LOANS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Points West Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First American State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Air Academy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 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 93 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Douglas County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.