Applications / Mortgage Analytics / Lenders / Colorado / Elevations Credit Union
Boulder, CO · Credit union · NCUA · $3.5 billion assets · 2,961 loans in 2025
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2,961
loans originated, 2025
4,432
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Elevations Credit Union is a Colorado purchase and refinance lender making larger loans than nearly all similar credit unions, and its lending held flat in 2025 while the typical peer grew.
Among similar lenders (credit unions making between half and twice as many loans), its typical loan of $315,000 was higher than nearly all; the typical peer lent $105,000. Jumbo loans (larger than the conforming limit) were 11.5%, against 1.3%. Purchases made up 50.0% of its loans and refinancing 48.8%.
It ranks 2 of 352 lenders in Boulder, where it has lent since before 1990, but its share fell from 11.1% to 9.8%. Its own loan count barely changed, from 2,938 to 2,961, while the whole market grew 10%, so the lower share may reflect flat lending in a growing market. In Fort Collins-Loveland it ranks 6 of 408, unchanged at 2.9%.
It grew 1%, slower than about four in five peers, whose typical rise was 9%. It made 7,774 loans in 2021 and 2,966 in 2023; with refinancing 48.8% of its loans, its count may rise and fall with demand to refinance. It filed no HMDA report for 2020, a gap in the record.
LMI (low- and moderate-income) borrowers took 23.8% of its loans, against 27.5% for the typical peer, and majority-minority areas 6.1%, against 10.5%. Its larger loans and its Boulder and Denver markets may account for this; its LMI area share, 15.2%, was near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Elevations Credit Union took 4,432 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 48.8% · Other 1.2% · Home improvement 0.0%
Conventional 96.8% · FHA 2.0% · VA 1.3% · of 2,961 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 2,960 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boulder | 1,092 |
| Denver-Aurora-Centennial | 1,070 |
| Fort Collins-Loveland | 388 |
| Greeley | 235 |
| Colorado Springs | 27 |
| Grand Junction | 6 |
| Pueblo | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930067MGJBFNEN1P47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 496087 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58243 | 1990–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568565 | 2008–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Elevations Credit Union's data.
Elevations Credit Union's data
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Elevations Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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