Bellco Credit Union in Colorado vs the state
40.9%Denial rate+25.24 pts vs state
44.9%Decision denial rate+25.23 pts vs state
48.1%Origination rate-11.96 pts vs state
8.00%Median rate+1.38 pts vs state
1.18Rate spread (pts)+1.03 pts vs state
$121kMedian applicant income
2,818Loans originated
2,396Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,971 | 3,681 | 36.3% | 9.00% | #4 |
| 2024 | 8,123 | 4,136 | 37.2% | 9.00% | #4 |
| 2025 | 5,863 | 2,818 | 40.9% | 8.00% | #5 |
What Bellco Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Bellco Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arapahoe County | 1,194 | 564 | 514 | 43.0% |
| Jefferson County | 996 | 543 | 335 | 33.6% |
| Adams County | 896 | 394 | 425 | 47.4% |
| Douglas County | 821 | 447 | 278 | 33.9% |
| Denver County | 723 | 310 | 328 | 45.4% |
| Weld County | 265 | 104 | 133 | 50.2% |
| Mesa County | 209 | 104 | 84 | 40.2% |
| Boulder County | 160 | 86 | 50 | 31.3% |
| El Paso County | 106 | 46 | 43 | 40.6% |
| Larimer County | 106 | 54 | 31 | 29.2% |
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% |
| 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% |
| Pennymac Loan Services | C | 3,970 | 10.5% | 6.38% |
Frequently asked questions
Colorado: 5,863 applications in 2025, of which 2,818 were originated and 2,396 denied.
40.9% of all applications, or 44.9% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Bellco Credit Union originated in Colorado in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Bellco 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