First Technology Federal Credit Union in Colorado vs the state
7.7%Denial rate-7.94 pts vs state
8.5%Decision denial rate-11.17 pts vs state
74.4%Origination rate+14.34 pts vs state
7.38%Median rate+0.75 pts vs state
0.37Rate spread (pts)+0.22 pts vs state
$152kMedian applicant income
174Loans originated
18Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 181 | 12.3% | 8.50% | #130 |
| 2024 | 241 | 156 | 17.8% | 8.50% | #145 |
| 2025 | 234 | 174 | 7.7% | 7.38% | #166 |
What First Technology Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most First Technology Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Larimer County | 81 | 53 | 9 | 11.1% |
| Weld County | 42 | 38 | 1 | 2.4% |
| El Paso County | 25 | 18 | 0 | 0.0% |
| Douglas County | 21 | 20 | 1 | 4.8% |
| Arapahoe County | 20 | 13 | 3 | 15.0% |
| Denver County | 9 | 7 | 0 | 0.0% |
| Jefferson County | 8 | 7 | 0 | 0.0% |
| Boulder County | 8 | 5 | 1 | 12.5% |
| Adams County | 4 | 3 | 1 | 25.0% |
| La Plata County | 4 | 2 | 1 | 25.0% |
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: 234 applications in 2025, of which 174 were originated and 18 denied.
7.7% of all applications, or 8.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans First Technology Federal Credit Union originated in Colorado in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are First Technology 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