Home purchase lenders in Adams County
7,960 home purchase mortgages were made in Adams County, Colorado, in 2025, by 373 lenders. The median rate their borrowers got was 6.125% on a median loan of $435,000. Of 9,570 decisions, 1,330 were denials — 13.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 976 | 6.375% | $445,000 | 8.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 337 | 4.500% | $525,000 | 14.0% |
| NEST HOME LENDING, LLC | 317 | 5.000% | $375,000 | 1.6% |
| GUILD MORTGAGE COMPANY | 294 | 6.375% | $370,000 | 1.8% |
| LENNAR MORTGAGE, LLC | 283 | 3.990% | $485,000 | 10.7% |
| KBHS HOME LOANS, LLC | 237 | 4.990% | $505,000 | 5.1% |
| Rocket Mortgage, LLC | 223 | 6.250% | $425,000 | 8.9% |
| Loan Simple, Inc. | 220 | 6.375% | $415,000 | 4.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 203 | 6.500% | $455,000 | 4.7% |
| Loandepot.Com, LLC | 199 | 4.990% | $495,000 | 13.4% |
| Fairway Independent Mortgage Corporation | 154 | 6.625% | $420,000 | 4.9% |
| Broker Solutions, Inc. | 148 | 6.250% | $375,000 | 0.0% |
| GUARANTEED RATE, INC. | 143 | 6.375% | $385,000 | 4.0% |
| DHI MORTGAGE COMPANY, LTD. | 141 | 4.500% | $505,000 | 21.2% |
| CMG MORTGAGE, INC. | 137 | 6.250% | $405,000 | 4.9% |
| V.I.P. MORTGAGE, INC. | 116 | 6.125% | $430,000 | 0.9% |
| 21st Mortgage Corporation | 110 | 10.470% | $105,000 | 78.4% |
| LOWER, LLC | 96 | 6.250% | $410,000 | 5.0% |
| FirstBank | 91 | 6.500% | $375,000 | 8.0% |
| Taylor Morrison Home Funding, Inc. | 88 | 4.750% | $505,000 | 11.1% |
| INSPIRE HOME LOANS INC. | 83 | 4.875% | $525,000 | 10.4% |
| ELEVATIONS | 79 | 6.625% | $405,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 75 | 6.375% | $395,000 | 7.3% |
| Luminate Bank | 75 | 5.625% | $465,000 | 8.5% |
| THE LOAN STORE, INC. | 72 | 6.375% | $455,000 | 9.8% |
| ZILLOW HOME LOANS, LLC | 71 | 6.125% | $415,000 | 5.3% |
| Paramount Residential Mortgage Group, Inc. | 70 | 5.990% | $360,000 | 5.4% |
| AMERICAN FINANCING CORPORATION | 69 | 6.125% | $325,000 | 1.3% |
| PULTE MORTGAGE LLC | 68 | 4.990% | $495,000 | 15.0% |
| Synergy One Lending, Inc. | 67 | 6.500% | $415,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 66 | 9.125% | $105,000 | 50.8% |
| MOVEMENT MORTGAGE, LLC | 65 | 6.500% | $415,000 | 1.4% |
| PANORAMA MORTGAGE GROUP, LLC | 61 | 7.000% | $355,000 | 3.2% |
| Mortgage Research Center, LLC | 60 | 5.990% | $485,000 | 9.1% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 5.995% | $410,000 | 14.1% |
| ENT Credit Union | 54 | 6.000% | $405,000 | 16.1% |
| JPMorgan Chase Bank, National Association | 53 | 6.500% | $405,000 | 15.9% |
| BOKF, National Association | 52 | 6.375% | $290,000 | 10.3% |
| NEWREZ LLC | 48 | 6.188% | $495,000 | 9.4% |
| 254900RNV63A0TIZNK90 | 48 | 6.625% | $425,000 | 1.8% |
| UNIVERSAL LENDING CORPORATION | 48 | 4.990% | $485,000 | 5.9% |
| Sunflower Bank, National Association | 47 | 6.250% | $445,000 | 2.1% |
| Ixonia Bank | 47 | 6.625% | $445,000 | 2.1% |
| UNION HOME MORTGAGE CORP. | 43 | 6.250% | $505,000 | 6.5% |
| SOUTHERN LENDING SERVICES, LTD. | 41 | 5.990% | $535,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 40 | 5.250% | $480,000 | 13.0% |
| Navy Federal Credit Union | 39 | 6.000% | $475,000 | 11.1% |
| MEGASTAR FINANCIAL CORP. | 39 | 6.500% | $435,000 | 4.9% |
| GUARANTEED RATE AFFINITY, LLC | 36 | 6.125% | $455,000 | 0.0% |
| NFM, INC. | 35 | 4.990% | $485,000 | 0.0% |
| Plains Commerce Bank | 33 | 6.375% | $525,000 | 13.2% |
| CANVAS CREDIT UNION | 32 | 6.375% | $365,000 | 2.9% |
| 254900YZ174H294JW398 | 32 | 5.495% | $540,000 | 7.7% |
| OCMBC, INC. | 29 | 7.499% | $415,000 | 11.4% |
| PLANET HOME LENDING, LLC | 29 | 6.375% | $385,000 | 14.7% |
| KEYSTONE FUNDING, INC. | 28 | 6.125% | $520,000 | 0.0% |
| SUMMIT FUNDING, INC. | 27 | 6.500% | $345,000 | 6.5% |
| GOLDEN EMPIRE MORTGAGE, INC. | 27 | 6.500% | $305,000 | 0.0% |
| Northpointe Bank | 26 | 6.688% | $405,000 | 3.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 26 | 6.188% | $500,000 | 0.0% |
| JET HOMELOANS, LP | 25 | 4.990% | $535,000 | 13.8% |
| Wells Fargo Bank, National Association | 25 | 6.375% | $375,000 | 21.9% |
| American Liberty Mortgage, Incorporated | 25 | 6.500% | $425,000 | 3.9% |
| U.S. Bank National Association | 24 | 6.625% | $410,000 | 35.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 24 | 6.433% | $420,000 | 10.7% |
| MORIA DEVELOPMENT, INC. | 24 | 6.495% | $395,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 24 | 6.375% | $350,000 | 0.0% |
| Bank of America, National Association | 23 | 6.250% | $385,000 | 28.1% |
| ENVOY MORTGAGE, LTD | 23 | 6.500% | $425,000 | 0.0% |
| KIND LENDING, LLC | 22 | 6.313% | $450,000 | 32.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 9.625% | $355,000 | 0.0% |
| NMSI, INC. | 22 | 6.313% | $510,000 | 0.0% |
| RESICENTRAL, LLC | 21 | 6.250% | $405,000 | 8.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.500% | $505,000 | 4.6% |
| First Western Trust Bank | 21 | 6.125% | $405,000 | 0.0% |
| US MORTGAGE CORPORATION | 20 | 6.495% | $430,000 | 9.1% |
| ANB Bank | 19 | 6.125% | $75,000 | 13.6% |
| Texana Bank, National Association | 19 | 6.625% | $405,000 | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 18 | 6.000% | $520,000 | 5.3% |
| OriginPoint, LLC | 17 | 6.250% | $455,000 | 0.0% |
| Citibank, National Association | 17 | 5.875% | $480,000 | 5.3% |
| Sierra Pacific Mortgage Company, Inc. | 17 | 6.500% | $495,000 | 10.5% |
| BETTER MORTGAGE CORPORATION | 16 | 6.375% | $395,000 | 20.0% |
| Click n' Close, Inc. | 16 | 7.125% | $375,000 | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 16 | 9.750% | $325,000 | 0.0% |
| M2 LENDING SOLUTIONS, LLC | 15 | 6.625% | $435,000 | 0.0% |
| Commerce Bank | 15 | 6.750% | $415,000 | 5.9% |
| Bank of Colorado | 14 | 6.250% | $545,000 | 12.5% |
| USAA Federal Savings Bank | 14 | 6.250% | $430,000 | 22.2% |
| BMO Bank National Association | 14 | 6.375% | $460,000 | 17.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.500% | $420,000 | 11.8% |
| PNC Bank, National Association | 13 | 6.250% | $390,000 | 18.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.125% | $495,000 | 0.0% |
| THE MORTGAGE COMPANY | 13 | 6.625% | $425,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.625% | $475,000 | 0.0% |
| TOWNE MORTGAGE COMPANY | 13 | 6.250% | $415,000 | 7.1% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.750% | $505,000 | 22.2% |
| Zions Bancorporation, N.A. | 12 | 7.175% | $410,000 | 23.8% |
| Kiavi Funding, Inc. | 12 | 10.490% | $355,000 | 7.7% |
| SWBC MORTGAGE CORPORATION | 12 | 6.813% | $440,000 | 0.0% |
| KeyBank National Association | 12 | 6.313% | $405,000 | 7.7% |
| First National Bank of America | 12 | 8.870% | $410,000 | 0.0% |
| RIGHT START MORTGAGE, INC. | 12 | 6.625% | $425,000 | 7.7% |
| Alpine Bank | 11 | 8.240% | $115,000 | 45.0% |
| Equity Prime Mortgage LLC | 10 | 7.125% | $450,000 | 28.6% |
| WESTERRA CREDIT UNION | 10 | 6.625% | $330,000 | 37.5% |
| BAY EQUITY LLC | 10 | 6.625% | $530,000 | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.250% | $445,000 | 16.7% |
| NBH Bank | 10 | 6.313% | $320,000 | 9.1% |
| DIRECT MORTGAGE, CORP. | 10 | 5.933% | $480,000 | 23.1% |
| Summit Mortgage Corporation | 10 | 5.625% | $415,000 | 16.7% |
| RESIDENTIAL MORTGAGE, LLC | 10 | 6.437% | $390,000 | 0.0% |
| Gateway First Bank | 10 | 6.250% | $405,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 10 | 6.313% | $430,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PREMIER MEMBERS CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Climb Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 27.3% |
| BoxCar Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Colorado Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Commerce Home Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | Under 10 loans | Under 10 loans | 86.7% |
| CHAMPIONS FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BELLCO CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Orchard Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ALTITUDE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GROUP MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Funding Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Omaha | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Generations Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COLORADO CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Blue Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIORITY HOME MORTGAGE, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Valley Bank | 2 | 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 173 lenders each made 2 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.