Empeople Credit Union in Colorado vs the state
14.7%Denial rate-0.92 pts vs state
20.8%Decision denial rate+1.17 pts vs state
55.9%Origination rate-4.14 pts vs state
6.49%Median rate-0.13 pts vs state
-0.47Rate spread (pts)-0.62 pts vs state
$118kMedian applicant income
19Loans originated
5Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 16 | 21.9% | 6.99% | #351 |
| 2024 | 39 | 24 | 28.2% | 6.49% | #319 |
| 2025 | 34 | 19 | 14.7% | 6.49% | #352 |
What Empeople Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 6 | 4 | 0 | 0.0% |
| Grand County | 4 | 3 | 0 | 0.0% |
| Kit Carson County | 3 | 2 | 1 | 33.3% |
| Adams County | 3 | 1 | 0 | 0.0% |
| Larimer County | 3 | 1 | 0 | 0.0% |
| Weld County | 2 | 2 | 0 | 0.0% |
| Mesa County | 2 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
| Garfield County | 1 | 0 | 0 | 0.0% |
| El Paso County | 1 | 0 | 1 | 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: 34 applications in 2025, of which 19 were originated and 5 denied.
14.7% of all applications, or 20.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Empeople Credit Union originated in Colorado in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople 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