Service Federal Credit Union in Colorado vs the state
14.3%Denial rate-1.34 pts vs state
18.8%Decision denial rate-0.91 pts vs state
57.1%Origination rate-2.88 pts vs state
6.19%Median rate-0.44 pts vs state
-0.36Rate spread (pts)-0.51 pts vs state
$188kMedian applicant income
12Loans originated
3Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 20 | 28.6% | 5.87% | #310 |
| 2024 | 24 | 15 | 12.5% | 6.49% | #378 |
| 2025 | 21 | 12 | 14.3% | 6.19% | #412 |
What Service Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boulder County | 5 | 1 | 0 | 0.0% |
| Jefferson County | 5 | 5 | 0 | 0.0% |
| El Paso County | 4 | 3 | 0 | 0.0% |
| Denver County | 2 | 0 | 2 | 100.0% |
| Pueblo County | 2 | 1 | 1 | 50.0% |
| Broomfield County | 1 | 0 | 0 | 0.0% |
| Weld County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
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: 21 applications in 2025, of which 12 were originated and 3 denied.
14.3% of all applications, or 18.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Service Federal Credit Union originated in Colorado in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are Service 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