Refinancing lenders in El Paso County
4,564 refinancing mortgages were made in El Paso County, Colorado, in 2025, by 320 lenders. The median rate their borrowers got was 5.999% on a median loan of $375,000. Of 6,066 decisions, 1,012 were denials — 16.7%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ENT Credit Union | 1,248 | 7.740% | $125,000 | 17.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 977 | 5.624% | $455,000 | 7.4% |
| FREEDOM MORTGAGE CORPORATION | 280 | 5.750% | $405,000 | 3.3% |
| Rocket Mortgage, LLC | 256 | 5.750% | $420,000 | 15.2% |
| NEWREZ LLC | 116 | 5.750% | $435,000 | 12.9% |
| PENNYMAC LOAN SERVICES, LLC | 87 | 5.625% | $445,000 | 14.8% |
| Mortgage Research Center, LLC | 79 | 5.625% | $425,000 | 61.9% |
| GUARANTEED RATE, INC. | 77 | 5.750% | $445,000 | 2.4% |
| LAKEVIEW LOAN SERVICING, LLC | 74 | 5.750% | $455,000 | 46.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 60 | 5.750% | $420,000 | 1.0% |
| PLANET HOME LENDING, LLC | 44 | 5.750% | $455,000 | 4.4% |
| NFM, INC. | 39 | 5.625% | $385,000 | 2.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 39 | 5.990% | $415,000 | 7.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 32 | 6.000% | $435,000 | 0.0% |
| LoanUnited.com, LLC | 31 | 5.750% | $475,000 | 11.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 29 | 6.075% | $395,000 | 8.8% |
| PHH Mortgage Corporation | 29 | 5.990% | $455,000 | 11.8% |
| V.I.P. MORTGAGE, INC. | 28 | 6.250% | $495,000 | 3.5% |
| FirstBank | 27 | 7.500% | $225,000 | 31.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 25 | 5.375% | $515,000 | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 25 | 5.625% | $425,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 24 | 5.990% | $415,000 | 3.9% |
| Loandepot.Com, LLC | 24 | 5.750% | $440,000 | 24.3% |
| Fairway Independent Mortgage Corporation | 24 | 5.750% | $490,000 | 3.7% |
| NBH Bank | 23 | 6.250% | $365,000 | 8.0% |
| U.S. Bank National Association | 22 | 7.225% | $320,000 | 15.4% |
| UNION HOME MORTGAGE CORP. | 20 | 5.990% | $465,000 | 13.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 20 | 5.933% | $525,000 | 0.0% |
| Navy Federal Credit Union | 19 | 6.000% | $425,000 | 42.4% |
| CMG MORTGAGE, INC. | 18 | 5.875% | $485,000 | 17.4% |
| Broker Solutions, Inc. | 17 | 5.990% | $425,000 | 15.0% |
| UMB Bank, National Association | 17 | 6.890% | $105,000 | 29.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.500% | $460,000 | 10.5% |
| NATIONSTAR MORTGAGE LLC | 16 | 6.125% | $390,000 | 20.0% |
| Bank of America, National Association | 14 | 5.990% | $255,000 | 36.4% |
| The Central Trust Bank | 14 | 5.875% | $480,000 | 0.0% |
| The Huntington National Bank | 13 | 5.750% | $865,000 | 31.6% |
| LONGBRIDGE FINANCIAL, LLC | 13 | 6.125% | $235,000 | 5.6% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $155,000 | 33.3% |
| JPMorgan Chase Bank, National Association | 12 | 6.058% | $425,000 | 16.7% |
| THE LOAN STORE, INC. | 12 | 6.375% | $325,000 | 23.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 5.563% | $435,000 | 18.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.125% | $405,000 | 31.8% |
| Zions Bancorporation, N.A. | 11 | 7.850% | $285,000 | 28.6% |
| GUARANTEED RATE AFFINITY, LLC | 11 | 5.990% | $415,000 | 15.4% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 11 | 5.990% | $445,000 | 8.3% |
| BOKF, National Association | 10 | 6.228% | $275,000 | 33.3% |
| NBKC BANK | 10 | 5.938% | $520,000 | 23.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.893% | $465,000 | 16.7% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.125% | $340,000 | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 10 | 6.375% | $200,000 | 23.1% |
| PNC Bank, National Association | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Plains Commerce Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW DAY FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stockmens Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 18.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| INTEGRITY MORTGAGE & FINANCIAL INCORPORATED | 7 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Integrity Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Air Academy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 14.3% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANB Bank | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| GROUP MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank of Calhan | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Strong Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 62.5% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Liberty Mortgage, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANVAS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Colorado | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900RNV63A0TIZNK90 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 90.6% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Archwest Funding | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 66.7% |
| BAY EQUITY 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% |
| Climb Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| COLORADO CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF DENVER | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HUNT MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENCORE BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ELEVATIONS | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Blue Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Adams Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAFMAA Mortgage Services LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Johnson Financial Group | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| M2 LENDING SOLUTIONS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900HL2VMAYA3J5494 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 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 120 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.