Usalliance Federal Credit Union in Colorado vs the state
32.0%Denial rate+16.37 pts vs state
33.3%Decision denial rate+13.67 pts vs state
60.0%Origination rate-0.02 pts vs state
7.75%Median rate+1.13 pts vs state
0.68Rate spread (pts)+0.53 pts vs state
$206kMedian applicant income
15Loans originated
8Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 8 | 11.1% | 8.81% | #418 |
| 2024 | 11 | 7 | 0.0% | 9.63% | #480 |
| 2025 | 25 | 15 | 32.0% | 7.75% | #397 |
What Usalliance Federal Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 4 | 1 | 3 | 75.0% |
| Denver County | 4 | 3 | 0 | 0.0% |
| Arapahoe County | 4 | 2 | 1 | 25.0% |
| Boulder County | 3 | 2 | 1 | 33.3% |
| Larimer County | 3 | 2 | 1 | 33.3% |
| Weld County | 2 | 1 | 1 | 50.0% |
| Douglas County | 2 | 1 | 1 | 50.0% |
| La Plata County | 1 | 1 | 0 | 0.0% |
| El Paso County | 1 | 1 | 0 | 0.0% |
| Garfield 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: 25 applications in 2025, of which 15 were originated and 8 denied.
32.0% of all applications, or 33.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Usalliance Federal Credit Union originated in Colorado in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Usalliance 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