2025 · Colorado
In 2025, 8,487 investment-property loans worth $3.8B were originated on single-family 1-4 unit homes in Colorado. Here's how those terms compared to the rest of the country.
Investor rate premium
75 bps
U.S. median: 76 bps
Denial rate
18.6%
U.S. median: 17.5%
DSCR / business-purpose
69%
U.S. median: 72%
Median LTV
70%
U.S. median: 74%
Since 2024 in Colorado
Rate premium
88 bps → 75 bps
-13 bpsInvestor loans
7,138 → 8,487
+18.9%Denial rate
18.3% → 18.6%
+0.3 ptsDSCR / business-purpose
68% → 69%
+1.7 ptsInvestors in Colorado borrowed at a median rate of 7.125%, versus 6.375% for owner-occupants — a 75 bps premium that ranks 29th of 51 states.
Their applications were denied 18.6% of the time. The leading reasons for denial were debt-to-income ratio, collateral, other.
69% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 20% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2025, the median investment-property loan in Colorado carried a rate of 7.125% versus 6.375% for an owner-occupant — a premium of 75 bps. That ranks 29th of 51 states (1 = highest premium).
18.6% of investment-property applications were denied in Colorado in 2025, the 15th-highest denial rate among the 51 states. The most common denial reasons were debt-to-income ratio, collateral, other.
69% of investor loans in Colorado were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (29th of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.