Mountain America Federal Credit Union in Colorado vs the state
50.9%Denial rate+35.26 pts vs state
64.0%Decision denial rate+44.38 pts vs state
28.6%Origination rate-31.45 pts vs state
7.25%Median rate+0.63 pts vs state
0.77Rate spread (pts)+0.62 pts vs state
$129kMedian applicant income
32Loans originated
57Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 60 | 35.3% | 7.63% | #178 |
| 2024 | 123 | 39 | 44.7% | 7.00% | #199 |
| 2025 | 112 | 32 | 50.9% | 7.25% | #220 |
What Mountain America Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Weld County | 12 | 3 | 6 | 50.0% |
| Moffat County | 8 | 1 | 5 | 62.5% |
| Montezuma County | 8 | 1 | 5 | 62.5% |
| El Paso County | 7 | 1 | 4 | 57.1% |
| Montrose County | 7 | 1 | 5 | 71.4% |
| Adams County | 6 | 2 | 4 | 66.7% |
| Denver County | 6 | 1 | 3 | 50.0% |
| Rio Blanco County | 5 | 3 | 2 | 40.0% |
| Arapahoe County | 5 | 3 | 1 | 20.0% |
| Mesa County | 5 | 3 | 1 | 20.0% |
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: 112 applications in 2025, of which 32 were originated and 57 denied.
50.9% of all applications, or 64.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Mountain America Federal Credit Union originated in Colorado in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Mountain America 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