Refinancing lenders in Arapahoe County
2,370 refinancing mortgages were made in Arapahoe County, Colorado, in 2025, by 304 lenders. The median rate their borrowers got was 6.125% on a median loan of $425,000. Of 3,339 decisions, 777 were denials — 23.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 528 | 5.998% | $485,000 | 14.5% |
| Rocket Mortgage, LLC | 145 | 5.990% | $475,000 | 22.8% |
| ENT Credit Union | 85 | 7.500% | $155,000 | 27.0% |
| FirstBank | 84 | 7.188% | $175,000 | 19.4% |
| FREEDOM MORTGAGE CORPORATION | 80 | 5.875% | $445,000 | 6.4% |
| GUILD MORTGAGE COMPANY | 51 | 6.375% | $455,000 | 8.6% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 5.999% | $505,000 | 13.6% |
| WESTERRA CREDIT UNION | 41 | 7.990% | $105,000 | 10.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | 6.240% | $440,000 | 2.6% |
| CMG MORTGAGE, INC. | 33 | 6.375% | $415,000 | 2.4% |
| NEWREZ LLC | 29 | 5.750% | $435,000 | 38.8% |
| PNC Bank, National Association | 25 | 7.190% | $245,000 | 27.5% |
| U.S. Bank National Association | 25 | 6.750% | $255,000 | 26.5% |
| CREDIT UNION OF DENVER | 24 | 7.000% | $195,000 | 29.4% |
| JPMorgan Chase Bank, National Association | 23 | 6.000% | $1,005,000 | 18.2% |
| Zions Bancorporation, N.A. | 22 | 7.500% | $365,000 | 39.1% |
| BOKF, National Association | 22 | 5.938% | $150,000 | 30.3% |
| FINANCE OF AMERICA REVERSE LLC | 22 | 6.375% | $230,000 | 8.3% |
| Third Federal Savings and Loan Association of Cleveland | 21 | 6.990% | $185,000 | 30.0% |
| AMERICAN FINANCING CORPORATION | 20 | 5.750% | $310,000 | 85.1% |
| CANVAS CREDIT UNION | 20 | 7.500% | $185,000 | 19.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 20 | 6.000% | $555,000 | 13.0% |
| UNION HOME MORTGAGE CORP. | 20 | 5.990% | $460,000 | 4.6% |
| NATIONSTAR MORTGAGE LLC | 20 | 5.990% | $455,000 | 16.7% |
| Fairway Independent Mortgage Corporation | 19 | 6.250% | $545,000 | 32.3% |
| UMB Bank, National Association | 19 | 6.150% | $495,000 | 36.7% |
| THE LOAN STORE, INC. | 19 | 6.375% | $375,000 | 4.6% |
| GUARANTEED RATE, INC. | 18 | 6.125% | $510,000 | 5.3% |
| Bank of America, National Association | 18 | 5.500% | $760,000 | 25.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 18 | 6.058% | $385,000 | 9.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.125% | $270,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.750% | $495,000 | 4.6% |
| Climb Credit Union | 16 | 7.600% | $155,000 | 20.0% |
| Broker Solutions, Inc. | 15 | 6.250% | $385,000 | 16.7% |
| SWBC MORTGAGE CORPORATION | 15 | 6.500% | $425,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 5.875% | $415,000 | 22.2% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 6.250% | $205,000 | 16.7% |
| Loandepot.Com, LLC | 14 | 5.620% | $530,000 | 17.7% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 5.990% | $465,000 | 69.6% |
| Mortgage Research Center, LLC | 13 | 5.750% | $385,000 | 60.6% |
| The Huntington National Bank | 13 | 5.875% | $825,000 | 31.6% |
| RESICENTRAL, LLC | 13 | 6.125% | $475,000 | 0.0% |
| PLANET HOME LENDING, LLC | 12 | 5.750% | $500,000 | 7.7% |
| Sunflower Bank, National Association | 11 | 5.990% | $465,000 | 15.4% |
| Synergy One Lending, Inc. | 11 | 6.375% | $475,000 | 14.3% |
| Bank of Colorado | 11 | 7.000% | $445,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 11 | 5.500% | $525,000 | 8.3% |
| 254900RNV63A0TIZNK90 | 10 | 6.688% | $535,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 10 | 5.875% | $500,000 | 8.3% |
| KEYSTONE FUNDING, INC. | 10 | 5.990% | $520,000 | 6.3% |
| COLORADO CREDIT UNION | 10 | 7.875% | $170,000 | 16.7% |
| NBKC BANK | 10 | 5.563% | $560,000 | 9.1% |
| Luminate Bank | 10 | 5.875% | $405,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 8.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 9 | Under 10 loans | Under 10 loans | 9.1% |
| V.I.P. MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BELLCO CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 46.7% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Western Trust Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Alpine Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| American Liberty Mortgage, Incorporated | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 72.7% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| OriginPoint, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| MidFirst Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| THE DISTRICT Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KeyBank National Association | 5 | Under 10 loans | Under 10 loans | 58.3% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ELEVATIONS | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNER COLORADO | 5 | Under 10 loans | Under 10 loans | 37.5% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Plains Commerce Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| IDEAL HOME LOANS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GREENSTATE Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, 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% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FITZSIMONS FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 20.0% |
| M2 LENDING SOLUTIONS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MidWestOne Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, 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% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MEMBERS CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First American State Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, 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% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First National Bank of Omaha | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 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% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTENNIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First-Citizens Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENNKAR, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Mountain America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY 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 104 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 Arapahoe 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.