Colorado Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
52nd23.5% deniedPricingmedian rate spread over APOR, weight 30%
27th0.42 ptsProcesswithdrawn + incomplete share, weight 15%
2nd30.2%Closing coststotal loan costs ÷ loan amount, weight 10%
97th0.28% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 834 | 507 | 14.6% | 19.4% | 8.50% | $87M |
| 2024 | 703 | 397 | 15.4% | 21.4% | 8.75% | $80M |
| 2025 | 731 | 388 | 16.4% | 23.5% | 7.75% | $82M |
What Colorado Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 508 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 20 investment properties.
Why Colorado Credit Union denies applications
Primary reason reported for each of the 120 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Colorado Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 33 | 2 | 90.0% |
| $50k – $100k | 148 | 61 | 36.4% |
| $100k – $150k | 180 | 96 | 20.7% |
| $150k – $250k | 220 | 146 | 11.5% |
| Over $250k | 130 | 81 | 15.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 102 | 47 | 25.4% |
| 35–44 | 235 | 132 | 21.0% |
| 45–54 | 195 | 102 | 23.7% |
| 55–64 | 115 | 63 | 25.0% |
| 65–74 | 61 | 34 | 24.4% |
Where Colorado Credit Union lends
13 states and 47 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Colorado | 711 | 385 | 16.3% | 7.75% | #84 |
Frequently asked questions
Colorado Credit Union denied 23.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of home-equity (HELOC) lenders.
The most common reason Colorado Credit Union gave in 2025 was "debt-to-income ratio", cited on 47.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Colorado Credit Union originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 0.42 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 15% of its applications were for home purchases, 16% for refinancing (including cash-out), and 69% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.