Climb Credit Union in Colorado vs the state
12.5%Denial rate-3.09 pts vs state
16.8%Decision denial rate-2.89 pts vs state
62.2%Origination rate+2.20 pts vs state
7.45%Median rate+0.83 pts vs state
0.18Rate spread (pts)+0.03 pts vs state
$144kMedian applicant income
774Loans originated
156Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,073 | 745 | 14.6% | 9.19% | #55 |
| 2024 | 1,009 | 584 | 12.8% | 9.20% | #55 |
| 2025 | 1,244 | 774 | 12.5% | 7.45% | #53 |
What Climb Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Climb Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 216 | 152 | 16 | 7.4% |
| Denver County | 198 | 128 | 24 | 12.1% |
| Arapahoe County | 164 | 95 | 22 | 13.4% |
| Adams County | 143 | 93 | 25 | 17.5% |
| Mesa County | 108 | 71 | 17 | 15.7% |
| Douglas County | 86 | 50 | 11 | 12.8% |
| Weld County | 58 | 38 | 9 | 15.5% |
| El Paso County | 52 | 31 | 11 | 21.2% |
| Boulder County | 43 | 35 | 1 | 2.3% |
| Larimer County | 25 | 20 | 4 | 16.0% |
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: 1,244 applications in 2025, of which 774 were originated and 156 denied.
12.5% of all applications, or 16.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Climb Credit Union originated in Colorado in 2025 was 7.45%, against a statewide median of 6.63%.
About this data. Figures are Climb 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