In Colorado, the highest FHA denial rates among major lenders in 2025 belonged to American Financing Corporation (65.5%), Lakeview Loan Servicing, LLC (54.1%), Ent Credit Union (68671) (31.2%).Colorado’s FHA denial rate in 2025 was 21.0% across 24,907 decisioned applications — ranking #36 of 52 states. Among high-volume lenders, the lowest observed denial rate was Guild Mortgage Company at 5.8%; the highest was American Financing Corporation at 65.5%. The institutional spread inside Colorado is 11.3×: the same FHA application faces a 5.8% observed denial rate at one high-volume door and 65.5% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Colorado FHA apps | Denial rate |
|---|---|---|
| Guild Mortgage Company | 934 | 5.8% |
| Crosscountry Mortgage, LLC | 596 | 6.5% |
| Loan Simple, Inc. | 639 | 7.2% |
| Fairway Independent Mort Corp | 558 | 9.1% |
| Lennar Mortgage, LLC | 387 | 13.7% |
| Freedom Mortgage Corporation | 643 | 15.4% |
| New American Funding, LLC. | 459 | 16.8% |
| United Wholesale Mortgage | 3,288 | 18.1% |
| Dhi Mortgage Company, Ltd. | 534 | 19.3% |
| Pennymac Loan Services LLC | 418 | 19.9% |
| Loandepot.Com LLC | 548 | 25.2% |
| Rocket Mortgage | 1,233 | 29.6% |
| Ent Credit Union (68671) | 500 | 31.2% |
| Lakeview Loan Servicing, LLC | 442 | 54.1% |
| American Financing Corporation | 2,022 | 65.5% |
Applications under $150K were denied 37.6% of the time versus 19.7% for loans of $250K+ — a 1.9× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
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Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.