Westerra Credit Union in Colorado vs the state
23.5%Denial rate+7.91 pts vs state
28.2%Decision denial rate+8.56 pts vs state
56.8%Origination rate-3.25 pts vs state
7.99%Median rate+1.37 pts vs state
0.76Rate spread (pts)+0.61 pts vs state
$128kMedian applicant income
931Loans originated
386Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,629 | 941 | 25.2% | 8.99% | #37 |
| 2024 | 1,458 | 880 | 20.4% | 9.24% | #43 |
| 2025 | 1,640 | 931 | 23.5% | 7.99% | #37 |
What Westerra Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Westerra Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 403 | 269 | 65 | 16.1% |
| Denver County | 333 | 175 | 86 | 25.8% |
| Arapahoe County | 286 | 163 | 74 | 25.9% |
| Douglas County | 200 | 119 | 37 | 18.5% |
| Adams County | 158 | 78 | 53 | 33.5% |
| Boulder County | 37 | 24 | 6 | 16.2% |
| Weld County | 34 | 19 | 7 | 20.6% |
| El Paso County | 29 | 10 | 15 | 51.7% |
| Larimer County | 19 | 9 | 7 | 36.8% |
| Park County | 16 | 8 | 4 | 25.0% |
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: 1,640 applications in 2025, of which 931 were originated and 386 denied.
23.5% of all applications, or 28.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Westerra Credit Union originated in Colorado in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Westerra 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