Bank of Colorado mortgage approval rate & lending review
Bank of Colorado decided 2,351 mortgage applications and funded 2,034 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank of Colorado reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank of Colorado at a glance
Approval is 8.7 points above the 80.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,048 / 1,122 | 97% | $445K | 1,018 |
| Home improvement loans | 77% | 311 / 406 | 96% | $105K | 299 |
| Cash-out refinance | 75% | 55 / 73 | 100% | $265K | 55 |
| Refinance | 85% | 281 / 330 | 98% | $405K | 274 |
| Investment property purchase | 97% | 302 / 311 | 99% | $405K | 298 |
| Investment refinance | 89% | 64 / 72 | 94% | $345K | 60 |
| Investment home improvement | 88% | 30 / 34 | 93% | $105K | 28 |
Bank of Colorado lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 89% | $415K | 2,026 | 1,741 |
| Arizona | 95% | $275K | 220 | 205 |
| New Mexico | 79% | $345K | 24 | 19 |
| Texas | 70% | $245K | 23 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank of Colorado lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Larimer County, CO | Mortgage lenders | 94% | 298 | 273 |
| Weld County, CO | Mortgage lenders | 91% | 295 | 265 |
| Larimer County, CO | Investment property purchase | 98% | 100 | 95 |
| Larimer County, CO | Refinance | 85% | 110 | 92 |
| Mesa County, CO | Mortgage lenders | 89% | 98 | 86 |
| Larimer County, CO | Home improvement loans | 85% | 98 | 81 |
| Yavapai County, AZ | Mortgage lenders | 100% | 78 | 78 |
| Weld County, CO | Home improvement loans | 75% | 103 | 75 |
| Weld County, CO | Refinance | 79% | 92 | 71 |
| Mesa County, CO | Home improvement loans | 68% | 72 | 45 |
| Boulder County, CO | Mortgage lenders | 93% | 44 | 40 |
| Weld County, CO | Investment property purchase | 97% | 34 | 33 |
The county markets where Bank of Colorado made the most loans. Each link opens that market with every lender ranked.
Questions about Bank of Colorado
What is Bank of Colorado's mortgage approval rate?
Bank of Colorado approved 89.0% of the 2,351 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 80.3% national rate for the same mix of loan types.
How often do borrowers take the loan Bank of Colorado offers?
Borrowers accepted 97% of the loans Bank of Colorado approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank of Colorado make?
The typical home purchase mortgage loan Bank of Colorado made was $445K; across all loan types its typical loan ran from $105K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank of Colorado lend?
Bank of Colorado decided applications in 25 of the states Fat Boy Data covers, most of them in Colorado, Arizona and New Mexico.
Can I apply to Bank of Colorado directly?
Yes. Bank of Colorado is a bank or credit union with 60 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank of Colorado's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank of Colorado treats applications, then get a rate quote from the lender.