Zing Credit Union in Colorado vs the state
27.1%Denial rate+11.47 pts vs state
32.6%Decision denial rate+12.91 pts vs state
55.0%Origination rate-5.06 pts vs state
7.50%Median rate+0.88 pts vs state
0.30Rate spread (pts)+0.15 pts vs state
$104kMedian applicant income
144Loans originated
71Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 248 | 162 | 23.0% | 8.25% | #146 |
| 2024 | 256 | 135 | 35.9% | 8.50% | #139 |
| 2025 | 262 | 144 | 27.1% | 7.50% | #157 |
What Zing Credit Union lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Zing Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 126 | 69 | 37 | 29.4% |
| Jefferson County | 50 | 28 | 8 | 16.0% |
| Arapahoe County | 29 | 17 | 9 | 31.0% |
| Adams County | 26 | 13 | 7 | 26.9% |
| Douglas County | 8 | 4 | 2 | 25.0% |
| El Paso County | 6 | 3 | 2 | 33.3% |
| Weld County | 3 | 2 | 0 | 0.0% |
| Chaffee County | 2 | 0 | 2 | 100.0% |
| Broomfield County | 2 | 2 | 0 | 0.0% |
| Boulder County | 2 | 1 | 1 | 50.0% |
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: 262 applications in 2025, of which 144 were originated and 71 denied.
27.1% of all applications, or 32.6% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Zing Credit Union originated in Colorado in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Zing 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