ENT Credit Union in Colorado vs the state
20.9%Denial rate+5.26 pts vs state
21.0%Decision denial rate+1.29 pts vs state
65.8%Origination rate+5.81 pts vs state
7.50%Median rate+0.88 pts vs state
0.30Rate spread (pts)+0.15 pts vs state
$125kMedian applicant income
8,715Loans originated
2,765Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12,737 | 8,221 | 21.2% | 8.75% | #2 |
| 2024 | 12,481 | 7,858 | 23.0% | 8.50% | #2 |
| 2025 | 13,238 | 8,715 | 20.9% | 7.50% | #2 |
What ENT Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most ENT Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 6,516 | 4,499 | 1,214 | 18.6% |
| Pueblo County | 1,253 | 771 | 313 | 25.0% |
| Douglas County | 849 | 582 | 155 | 18.3% |
| Arapahoe County | 666 | 413 | 162 | 24.3% |
| Larimer County | 595 | 401 | 113 | 19.0% |
| Weld County | 573 | 361 | 156 | 27.2% |
| Adams County | 551 | 317 | 171 | 31.0% |
| Denver County | 470 | 280 | 104 | 22.1% |
| Jefferson County | 451 | 291 | 86 | 19.1% |
| Teller County | 369 | 251 | 66 | 17.9% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| 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% |
| Pennymac Loan Services | C | 3,970 | 10.5% | 6.38% |
Frequently asked questions
Colorado: 13,238 applications in 2025, of which 8,715 were originated and 2,765 denied.
20.9% of all applications, or 21.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans ENT Credit Union originated in Colorado in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are ENT 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