Credit Union Of Colorado A Federal Credit Union Mortgage Rates, Fees & Info
Denver, COLEI: 549300ABEFRFKC9S8368
Tax ID: 84-0174408
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Mortgage Data
Review & Overview
Credit Union Of Colorado A Federal Credit Union is a smaller credit union specializing in Other and Cash Out Refi loans. Credit Union Of Colorado A Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Denver, Greeley, Grand Junction, Fort Collins, and Pueblo among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Credit Union Of Colorado A Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Credit Union Of Colorado A Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 1.00% | 11/21/24 |
| 30 Year Conventional Purchase | 6.32% | 11/21/24 |
| 30 Year Conventional Refi | 5.93% | 11/21/24 |
| 30 Year Cash-out Refi | 6.55% | 11/21/24 |
| 15 Year Conventional Purchase | 5.70% | 11/21/24 |
| 15 Year Conventional Refi | 4.92% | 11/21/24 |
| 15 Year Cash-out Refi | 4.92% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Credit Union Of Colorado A Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,199Origination Dollar Volume (All Markets)
$290,815,000Awards
CREDIT UNION OF COLORADO A FEDERAL CREDIT UNION - 2022
CREDIT UNION OF COLORADO A FEDERAL CREDIT UNION is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1,282 | $182,420,000 | $142,293 | $2,745 | 4.54% |
| GREELEY, CO (FHA|USDA|VA) | 203 | $22,395,000 | $110,320 | $2,763 | 4.80% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 152 | $17,870,000 | $117,566 | $2,763 | 4.53% |
| FORT COLLINS, CO (FHA|USDA|VA) | 99 | $12,675,000 | $128,030 | $2,550 | 4.51% |
| PUEBLO, CO (FHA|USDA|VA) | 114 | $11,510,000 | $100,965 | $2,321 | 4.79% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 94 | $11,410,000 | $121,383 | $2,651 | 4.78% |
| Outside of Metro Areas | 70 | $8,220,000 | $117,429 | $3,397 | 4.45% |
| Cañon City, CO (FHA|USDA|VA) | 66 | $6,410,000 | $97,121 | $2,874 | 4.43% |
| BOULDER, CO (FHA|USDA|VA) | 25 | $5,615,000 | $224,600 | $3,619 | 4.12% |
| Durango, CO (FHA|USDA|VA) | 46 | $5,200,000 | $113,043 | $2,332 | 4.57% |
| Steamboat Springs, CO (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $0 | 4.36% |
| Edwards, CO (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $3,251 | 5.13% |
| Montrose, CO (FHA|USDA|VA) | 10 | $1,210,000 | $121,000 | $4,907 | 5.09% |
| Glenwood Springs, CO (FHA|USDA|VA) | 9 | $1,155,000 | $128,333 | $1,218 | 4.97% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $1,522 | 5.10% |
| Fort Morgan, CO (FHA|USDA|VA) | 6 | $440,000 | $73,333 | $1,521 | 5.83% |
| Craig, CO (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,088 | 4.08% |
| Sterling, CO (FHA|USDA|VA) | 4 | $260,000 | $65,000 | $1,364 | 4.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against CREDIT UNION OF COLORADO A FEDERAL CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 1,790 | $195,350,000 | $109,134 | n/a | 4.54% |
| Conventional | 409 | $95,465,000 | $233,411 | $2,719 | 4.80% |
For 2022, Credit Union Of Colorado A Federal Credit Union's most frequently originated type of loan was HELOC, with 1,790 originations. Their 2nd most popular type was Conventional, with 409 originations.
Loan Reason
For 2022, Credit Union Of Colorado A Federal Credit Union's most frequently cited loan purpose was Other, with 1,359 originations. The 2nd most popular reason was Cash Out Refi, with 677 originations.
Loan Duration/Length
For 2022, Credit Union Of Colorado A Federal Credit Union's most frequently cited loan duration was Other, with 1,806 originations. The 2nd most popular length was 30 Year, with 245 originations.
Origination Fees/Closing Costs
Credit Union Of Colorado A Federal Credit Union's average total fees were $3,757, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 244 originations.
Interest Rates
During 2022, Credit Union Of Colorado A Federal Credit Union's average interest rate for loans was 4.62%, while their most frequently originated rate bucket for loans was 3-4%, with 986 originations.
Loan Sizing
2022 saw Credit Union Of Colorado A Federal Credit Union place emphasis on $100,000 or less loans with 1,131 originations, totaling $62,705,000 in origination value.
Applicant Income
Credit Union Of Colorado A Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 641 originations. The second most popular income band? $50k-75k, with 434 originations.
Applicant Debt to Income Ratio
Credit Union Of Colorado A Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 469 originations. The next most common DTI ratio? 30-36%, with 351 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.61%
Credit Union Of Colorado A Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination69.71%
Credit Union Of Colorado A Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 53 | $5,235,000 | $98,774 |
| 1013.5 | 1 | $45,000 | $45,000 |
| 1017.5 | 2 | $350,000 | $175,000 |
| 1020.5 | 1 | $175,000 | $175,000 |
| 1042.5 | 1 | $205,000 | $205,000 |
| 1045.5 | 1 | $105,000 | $105,000 |
| 1047.5 | 1 | $105,000 | $105,000 |
| 1052.5 | 1 | $195,000 | $195,000 |
| 1058.5 | 1 | $65,000 | $65,000 |
| 1067.5 | 1 | $135,000 | $135,000 |
| 1078.75 | 1 | $85,000 | $85,000 |
| 1082.5 | 1 | $215,000 | $215,000 |
| 1090.5 | 8 | $1,040,000 | $130,000 |
| 1092.5 | 5 | $985,000 | $197,000 |
| 1105.5 | 2 | $280,000 | $140,000 |
| 1115.5 | 1 | $155,000 | $155,000 |
| 1117.5 | 1 | $305,000 | $305,000 |
| 1120.5 | 54 | $9,160,000 | $169,630 |
| 1130.5 | 1 | $225,000 | $225,000 |
| 1132.5 | 1 | $15,000 | $15,000 |
| 1135.5 | 7 | $1,135,000 | $162,143 |
| 1142.5 | 1 | $255,000 | $255,000 |
| 1145.5 | 5 | $915,000 | $183,000 |
| 1150.5 | 1 | $225,000 | $225,000 |
| 1155.5 | 1 | $105,000 | $105,000 |
| 1157.5 | 1 | $255,000 | $255,000 |
| 1165.5 | 1 | $135,000 | $135,000 |
| 1167.5 | 4 | $620,000 | $155,000 |
| 1182.5 | 1 | $205,000 | $205,000 |
| 1192.5 | 2 | $370,000 | $185,000 |
| 1215.5 | 1 | $135,000 | $135,000 |
| 1240.5 | 2 | $360,000 | $180,000 |
| 1242.5 | 4 | $400,000 | $100,000 |
| 1245.5 | 14 | $4,640,000 | $331,429 |
| 125.0 | 11 | $2,195,000 | $199,545 |
| 1260.5 | 1 | $305,000 | $305,000 |
| 1267.5 | 1 | $235,000 | $235,000 |
| 1270.5 | 2 | $450,000 | $225,000 |
| 1275.0 | 1 | $275,000 | $275,000 |
| 1292.5 | 2 | $660,000 | $330,000 |
| 1340.5 | 4 | $1,040,000 | $260,000 |
| 1346.5 | 1 | $105,000 | $105,000 |
| 1367.5 | 2 | $300,000 | $150,000 |
| 1370.5 | 1 | $145,000 | $145,000 |
| 1382.5 | 1 | $145,000 | $145,000 |
| 1390.5 | 1 | $235,000 | $235,000 |
| 1392.5 | 1 | $405,000 | $405,000 |
| 1407.5 | 1 | $135,000 | $135,000 |
| 1442.5 | 1 | $405,000 | $405,000 |
| 1445.5 | 1 | $405,000 | $405,000 |
| 1465.5 | 1 | $255,000 | $255,000 |
| 1467.5 | 1 | $55,000 | $55,000 |
| 1492.5 | 1 | $195,000 | $195,000 |
| 151.0 | 1 | $215,000 | $215,000 |
| 1520.5 | 1 | $205,000 | $205,000 |
| 1532.5 | 1 | $125,000 | $125,000 |
| 1567.5 | 1 | $65,000 | $65,000 |
| 1582.5 | 1 | $65,000 | $65,000 |
| 1592.5 | 2 | $540,000 | $270,000 |
| 1617.5 | 2 | $370,000 | $185,000 |
| 167.5 | 579 | $39,055,000 | $67,453 |
| 1687.5 | 1 | $325,000 | $325,000 |
| 177.5 | 4 | $360,000 | $90,000 |
| 182.5 | 34 | $2,540,000 | $74,706 |
| 1842.5 | 1 | $255,000 | $255,000 |
| 1867.5 | 1 | $155,000 | $155,000 |
| 192.5 | 84 | $6,620,000 | $78,810 |
| 197.5 | 6 | $480,000 | $80,000 |
| 202.5 | 2 | $160,000 | $80,000 |
| 207.5 | 5 | $305,000 | $61,000 |
| 212.5 | 2 | $130,000 | $65,000 |
| 217.5 | 11 | $1,325,000 | $120,455 |
| 222.5 | 2 | $150,000 | $75,000 |
| 242.5 | 12 | $2,260,000 | $188,333 |
| 247.5 | 1 | $25,000 | $25,000 |
| 257.5 | 1 | $205,000 | $205,000 |
| 259.5 | 1 | $285,000 | $285,000 |
| 284.5 | 7 | $385,000 | $55,000 |
| 292.5 | 206 | $14,290,000 | $69,369 |
| 30.0 | 1 | $195,000 | $195,000 |
| 302.5 | 1 | $55,000 | $55,000 |
| 307.5 | 19 | $1,555,000 | $81,842 |
| 317.5 | 11 | $615,000 | $55,909 |
| 322.5 | 2 | $140,000 | $70,000 |
| 342.5 | 5 | $515,000 | $103,000 |
| 367.5 | 5 | $645,000 | $129,000 |
| 392.5 | 2 | $160,000 | $80,000 |
| 467.5 | 85 | $15,395,000 | $181,118 |
| 477.5 | 1 | $155,000 | $155,000 |
| 482.5 | 9 | $1,735,000 | $192,778 |
| 492.5 | 24 | $4,490,000 | $187,083 |
| 497.5 | 4 | $620,000 | $155,000 |
| 502.5 | 1 | $45,000 | $45,000 |
| 507.5 | 2 | $240,000 | $120,000 |
| 512.5 | 1 | $205,000 | $205,000 |
| 535.5 | 1 | $245,000 | $245,000 |
| 538.13 | 1 | $65,000 | $65,000 |
| 552.5 | 1 | $85,000 | $85,000 |
| 577.5 | 1 | $195,000 | $195,000 |
| 584.5 | 2 | $310,000 | $155,000 |
| 590.0 | 1 | $65,000 | $65,000 |
| 592.5 | 90 | $20,040,000 | $222,667 |
| 602.5 | 1 | $225,000 | $225,000 |
| 607.5 | 6 | $1,970,000 | $328,333 |
| 617.5 | 22 | $6,410,000 | $291,364 |
| 622.5 | 3 | $635,000 | $211,667 |
| 627.5 | 1 | $405,000 | $405,000 |
| 632.5 | 2 | $810,000 | $405,000 |
| 652.5 | 2 | $320,000 | $160,000 |
| 653.0 | 4 | $970,000 | $242,500 |
| 654.5 | 1 | $325,000 | $325,000 |
| 667.5 | 5 | $425,000 | $85,000 |
| 677.5 | 1 | $65,000 | $65,000 |
| 682.5 | 2 | $320,000 | $160,000 |
| 692.5 | 2 | $90,000 | $45,000 |
| 702.5 | 2 | $110,000 | $55,000 |
| 709.5 | 1 | $275,000 | $275,000 |
| 717.5 | 19 | $5,935,000 | $312,368 |
| 732.5 | 1 | $405,000 | $405,000 |
| 742.5 | 7 | $1,535,000 | $219,286 |
| 767.5 | 2 | $90,000 | $45,000 |
| 769.5 | 1 | $355,000 | $355,000 |
| 770.5 | 1 | $15,000 | $15,000 |
| 790.5 | 6 | $440,000 | $73,333 |
| 792.5 | 1 | $125,000 | $125,000 |
| 820.5 | 157 | $10,715,000 | $68,248 |
| 830.5 | 3 | $175,000 | $58,333 |
| 835.5 | 20 | $1,450,000 | $72,500 |
| 837.5 | 1 | $135,000 | $135,000 |
| 845.5 | 4 | $220,000 | $55,000 |
| 852.5 | 1 | $75,000 | $75,000 |
| 857.5 | 1 | $155,000 | $155,000 |
| 865.5 | 1 | $95,000 | $95,000 |
| 867.5 | 4 | $230,000 | $57,500 |
| 890.5 | 1 | $55,000 | $55,000 |
| 892.5 | 3 | $235,000 | $78,333 |
| 907.5 | 1 | $35,000 | $35,000 |
| 915.5 | 1 | $75,000 | $75,000 |
| 917.5 | 2 | $150,000 | $75,000 |
| 920.5 | 1 | $105,000 | $105,000 |
| 937.5 | 1 | $55,000 | $55,000 |
| 940.5 | 6 | $370,000 | $61,667 |
| 942.5 | 3 | $175,000 | $58,333 |
| 965.0 | 1 | $205,000 | $205,000 |
| 965.5 | 1 | $105,000 | $105,000 |
| 967.5 | 13 | $1,585,000 | $121,923 |
| 968.0 | 1 | $185,000 | $185,000 |
| 970.5 | 2 | $140,000 | $70,000 |
| 977.5 | 1 | $165,000 | $165,000 |
| 980.5 | 2 | $160,000 | $80,000 |
| 990.5 | 6 | $430,000 | $71,667 |
| 992.5 | 2 | $170,000 | $85,000 |
| NA | 409 | $95,465,000 | $233,411 |