Applications / Mortgage Analytics / Lenders / Colorado / Bellco Credit Union
Greenwood Village, CO · Credit union · NCUA · $8.4 billion assets · 2,822 loans in 2025
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2,822
loans originated, 2025
5,879
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bellco Credit Union is a Colorado lender of home-improvement, refinance and other-purpose loans whose originations fell 32% to 2,822 in 2025, while similar credit unions' rose 9%.
Similar lenders are credit unions making between half and twice as many loans. Bellco's fall was the largest among them, while the whole market grew 10%, and its loan dollars fell to $477.6 million from $706.9 million. With almost no purchase lending, its volume rests on owners borrowing against their homes, which could explain a swing of this size.
Home improvement made up 35.3% of its loans, refinancing 33.5% and other purposes 29.7%; purchases were 1.6%. All were conventional and none were jumbo (larger than the conforming limit). It also bought 1,632 loans, more than almost all similar credit unions.
LMI (low- and moderate-income) borrowers took 33.7% of its loans against 27.5%, higher than about five in six similar credit unions, up from 24.2% five years before. Loans in LMI areas were 16.8% against 14.7%, higher than about two-thirds.
It ranks 23 of 754 in Denver-Aurora-Centennial, where it has lent since 2002; its share fell to 0.9% from 1.4%, which could reflect its own lower volume. In College Station-Bryan, entered in 2021, its share rose to 1.6% from 1.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bellco Credit Union took 5,879 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.3% · Refinance 33.5% · Other 29.7% · Purchase 1.6%
Conventional 100.0% · of 2,822 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 | 2,818 | 99.9% |
| Texas | 2 | 0.1% |
| Michigan | 1 | 0.0% |
| Tennessee | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 2,356 |
| Grand Junction | 104 |
| Greeley | 104 |
| Boulder | 86 |
| Fort Collins-Loveland | 54 |
| Colorado Springs | 47 |
| Pueblo | 15 |
| Austin-Round Rock-San Marcos | 1 |
| College Station-Bryan | 1 |
| Memphis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008L9O5NV7EAK360 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 283698 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568437 | 2002–2017 |
Established 1 January 1936. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Bellco Credit Union's data.
Bellco Credit Union's data
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Bellco 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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