Credit Human Federal Credit Union in Colorado vs the state
74.8%Denial rate+59.12 pts vs state
75.5%Decision denial rate+55.85 pts vs state
10.1%Origination rate-49.92 pts vs state
8.05%Median rate+1.43 pts vs state
2.62Rate spread (pts)+2.47 pts vs state
$77kMedian applicant income
10Loans originated
74Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 503 | 33 | 81.5% | 8.10% | #98 |
| 2024 | 274 | 21 | 81.0% | 9.30% | #135 |
| 2025 | 99 | 10 | 74.8% | 8.05% | #229 |
What Credit Human Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 16 | 1 | 14 | 87.5% |
| Larimer County | 13 | 3 | 8 | 61.5% |
| Weld County | 12 | 2 | 10 | 83.3% |
| Adams County | 8 | 1 | 6 | 75.0% |
| Pueblo County | 6 | 0 | 6 | 100.0% |
| Summit County | 5 | 1 | 4 | 80.0% |
| La Plata County | 4 | 0 | 3 | 75.0% |
| Montezuma County | 4 | 0 | 2 | 50.0% |
| Mesa County | 3 | 0 | 2 | 66.7% |
| Jefferson County | 3 | 0 | 3 | 100.0% |
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: 99 applications in 2025, of which 10 were originated and 74 denied.
74.8% of all applications, or 75.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Credit Human Federal Credit Union originated in Colorado in 2025 was 8.05%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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