Air Academy Federal Credit Union in Colorado vs the state
7.6%Denial rate-8.00 pts vs state
8.9%Decision denial rate-10.75 pts vs state
74.7%Origination rate+14.71 pts vs state
5.99%Median rate-0.63 pts vs state
0.65Rate spread (pts)+0.50 pts vs state
$127kMedian applicant income
343Loans originated
35Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 390 | 281 | 9.7% | 8.25% | #111 |
| 2024 | 503 | 376 | 6.0% | 6.99% | #96 |
| 2025 | 459 | 343 | 7.6% | 5.99% | #111 |
What Air Academy Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Air Academy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 258 | 199 | 18 | 7.0% |
| Douglas County | 80 | 55 | 11 | 13.8% |
| Arapahoe County | 20 | 17 | 0 | 0.0% |
| Jefferson County | 13 | 10 | 0 | 0.0% |
| Elbert County | 12 | 9 | 0 | 0.0% |
| Weld County | 11 | 10 | 1 | 9.1% |
| Denver County | 9 | 8 | 1 | 11.1% |
| Larimer County | 8 | 5 | 0 | 0.0% |
| Routt County | 8 | 5 | 1 | 12.5% |
| Adams County | 5 | 3 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 459 applications in 2025, of which 343 were originated and 35 denied.
7.6% of all applications, or 8.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Air Academy Federal Credit Union originated in Colorado in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Air Academy Federal Credit Union's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology