Navy Federal Credit Union in Colorado vs the state
21.1%Denial rate+5.49 pts vs state
31.1%Decision denial rate+11.41 pts vs state
46.0%Origination rate-13.99 pts vs state
7.75%Median rate+1.13 pts vs state
0.54Rate spread (pts)+0.39 pts vs state
$139kMedian applicant income
1,547Loans originated
710Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,262 | 1,448 | 26.8% | 7.65% | #12 |
| 2024 | 3,326 | 1,497 | 22.6% | 8.00% | #13 |
| 2025 | 3,361 | 1,547 | 21.1% | 7.75% | #16 |
What Navy Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 942 | 438 | 193 | 20.5% |
| Arapahoe County | 414 | 180 | 94 | 22.7% |
| Jefferson County | 290 | 144 | 54 | 18.6% |
| Douglas County | 288 | 136 | 48 | 16.7% |
| Adams County | 236 | 102 | 51 | 21.6% |
| Denver County | 213 | 87 | 56 | 26.3% |
| Larimer County | 167 | 83 | 31 | 18.6% |
| Weld County | 161 | 82 | 31 | 19.3% |
| Mesa County | 89 | 40 | 22 | 24.7% |
| Pueblo County | 88 | 41 | 15 | 17.0% |
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: 3,361 applications in 2025, of which 1,547 were originated and 710 denied.
21.1% of all applications, or 31.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Navy Federal Credit Union originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Navy 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