RED ROCKS Credit Union in Colorado vs the state
14.6%Denial rate-1.05 pts vs state
17.0%Decision denial rate-2.65 pts vs state
69.4%Origination rate+9.37 pts vs state
7.75%Median rate+1.13 pts vs state
0.50Rate spread (pts)+0.35 pts vs state
$172kMedian applicant income
238Loans originated
50Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 288 | 192 | 6.3% | 9.00% | #132 |
| 2024 | 259 | 181 | 11.2% | 8.99% | #138 |
| 2025 | 343 | 238 | 14.6% | 7.75% | #133 |
What RED ROCKS Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most RED ROCKS Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Douglas County | 100 | 74 | 14 | 14.0% |
| Jefferson County | 59 | 49 | 5 | 8.5% |
| Arapahoe County | 51 | 32 | 8 | 15.7% |
| Denver County | 36 | 22 | 5 | 13.9% |
| Adams County | 33 | 23 | 5 | 15.2% |
| El Paso County | 11 | 6 | 2 | 18.2% |
| Larimer County | 9 | 6 | 1 | 11.1% |
| Weld County | 9 | 6 | 3 | 33.3% |
| Boulder County | 6 | 5 | 0 | 0.0% |
| Elbert County | 5 | 0 | 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: 343 applications in 2025, of which 238 were originated and 50 denied.
14.6% of all applications, or 17.0% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans RED ROCKS Credit Union originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are RED ROCKS 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