ELEVATIONS
ELEVATIONS received 4,426 applications in 2025 and made 2,961 mortgages, in 42 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $315,000. Of 3,564 decisions, 479 were denials — 13.4%, most often for debt-to-income ratio. 145 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930067MGJBFNEN1P47 |
|---|---|
| Applications received | 4,426 |
| Mortgages made | 2,961 |
| Denied | 479 |
| Approved, not taken up | 124 |
| Withdrawn or incomplete | 862 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.37 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,480 | 6.625% | $465,000 | 5.7% |
| Refinancing | 224 | 6.125% | $525,000 | 7.6% |
| Cash-out refinancing | 1,221 | 7.740% | $125,000 | 19.8% |
| Other purposes | 36 | 7.740% | $255,000 | 55.8% |
Where ELEVATIONS lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Boulder County, CO | 1,092 | 7.240% | 11.8% |
| Larimer County, CO | 388 | 6.990% | 13.8% |
| Jefferson County, CO | 320 | 6.625% | 4.3% |
| Denver County, CO | 304 | 6.638% | 6.5% |
| Weld County, CO | 235 | 7.240% | 14.6% |
| Adams County, CO | 144 | 6.875% | 16.7% |
| Arapahoe County, CO | 104 | 6.625% | 16.0% |
| Broomfield County, CO | 104 | 7.000% | 5.2% |
| Douglas County, CO | 65 | 6.625% | 16.3% |
| Eagle County, CO | 33 | 6.375% | 20.9% |
| El Paso County, CO | 26 | 6.750% | 6.9% |
| Grand County, CO | 23 | 6.625% | 7.7% |
| Summit County, CO | 21 | 6.875% | 8.7% |
| Routt County, CO | 15 | 7.125% | 0.0% |
| Gilpin County, CO | 10 | 7.183% | 23.1% |
| Park County, CO | 10 | 6.563% | 16.7% |
| Gunnison County, CO | 8 | Under 10 loans | 0.0% |
| Mesa County, CO | 6 | Under 10 loans | 0.0% |
| Elbert County, CO | 5 | Under 10 loans | 16.7% |
| Garfield County, CO | 5 | Under 10 loans | 0.0% |
| Lake County, CO | 5 | Under 10 loans | 16.7% |
| Chaffee County, CO | 4 | Under 10 loans | 0.0% |
| Clear Creek County, CO | 4 | Under 10 loans | 0.0% |
| Delta County, CO | 3 | Under 10 loans | 0.0% |
| Montrose County, CO | 3 | Under 10 loans | 0.0% |
| La Plata County, CO | 2 | Under 10 loans | 33.3% |
| Logan County, CO | 2 | Under 10 loans | 0.0% |
| Montezuma County, CO | 2 | Under 10 loans | 0.0% |
| Morgan County, CO | 2 | Under 10 loans | 0.0% |
| Phillips County, CO | 2 | Under 10 loans | 0.0% |
| Pitkin County, CO | 2 | Under 10 loans | 50.0% |
| Pueblo County, CO | 2 | Under 10 loans | 33.3% |
| Alamosa County, CO | 1 | Under 10 loans | 0.0% |
| Archuleta County, CO | 1 | Under 10 loans | 0.0% |
| Custer County, CO | 1 | Under 10 loans | 0.0% |
| Las Animas County, CO | 1 | Under 10 loans | 50.0% |
| Ouray County, CO | 1 | Under 10 loans | 0.0% |
| Rio Blanco County, CO | 1 | Under 10 loans | 0.0% |
| Saguache County, CO | 1 | Under 10 loans | 0.0% |
| San Juan County, CO | 1 | Under 10 loans | 0.0% |
| Teller County, CO | 1 | Under 10 loans | 0.0% |
| Prowers County, CO | 0 | Under 10 loans | Not published |
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When ELEVATIONS’s figures are published for the next year, or restated.
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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.