Elements Financial Federal Credit Union in Colorado vs the state
27.3%Denial rate+11.64 pts vs state
33.3%Decision denial rate+13.67 pts vs state
54.6%Origination rate-5.47 pts vs state
4.99%Median rate-1.63 pts vs state
-2.33Rate spread (pts)-2.48 pts vs state
$160kMedian applicant income
18Loans originated
9Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 17 | 38.9% | 3.99% | #329 |
| 2024 | 39 | 17 | 43.6% | 5.99% | #322 |
| 2025 | 33 | 18 | 27.3% | 4.99% | #355 |
What Elements Financial Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 11 | 2 | 8 | 72.7% |
| Larimer County | 3 | 2 | 0 | 0.0% |
| Boulder County | 3 | 2 | 0 | 0.0% |
| Arapahoe County | 3 | 3 | 0 | 0.0% |
| Denver County | 2 | 1 | 0 | 0.0% |
| Adams County | 2 | 2 | 0 | 0.0% |
| Teller County | 2 | 2 | 0 | 0.0% |
| Lake County | 1 | 0 | 0 | 0.0% |
| Broomfield County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 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: 33 applications in 2025, of which 18 were originated and 9 denied.
27.3% of all applications, or 33.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Elements Financial Federal Credit Union originated in Colorado in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Elements Financial 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