Applications / Mortgage Analytics / Lenders / Colorado / Climb Credit Union
Arvada, CO · Credit union · NCUA · $695 million assets · 774 loans in 2025
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774
loans originated, 2025
1,261
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Climb Credit Union is a Colorado credit union whose lending is mostly home-improvement and other-purpose loans, and it grew 33% in 2025, faster than most similar lenders.
Home-improvement loans were 38.9% of its originations and other-purpose loans 36.4%; refinances were 15.2% and purchases 9.4%. Conventional loans were 100.0%. Its typical loan was $135,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
Originations rose 33% to 774, against 8% at peers and 10% in the whole market; dollar volume rose to $142.7 million from $82.1 million. It made 1,421 loans in 2022. It filed no report for 2020 or 2021, which are gaps in the record, not years without lending.
Jumbo loans (larger than the conforming limit) were 6.8% of its loans, against 0.8% at peers and 1.8% the year before, higher than about nine in ten peers. Higher-priced loans (a rate well above the average for similar loans) fell to 1.7% from 6.7%, level with peers.
It ranked 78 of 754 in Denver-Aurora-Centennial, where its share rose 0.1 points to 0.3%, and 36 of 268 in Grand Junction, at 0.6%. LMI (low- and moderate-income) areas took 18.2% of its loans, more than about seven in ten peers (15.0%).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Climb Credit Union took 1,261 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 38.9% · Other 36.4% · Refinance 15.2% · Purchase 9.4%
Conventional 100.0% · of 774 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 | 774 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 543 |
| Grand Junction | 71 |
| Greeley | 38 |
| Colorado Springs | 36 |
| Boulder | 35 |
| Fort Collins-Loveland | 20 |
| Pueblo | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RWXIW3CFTANH88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 860491 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562776 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Climb Credit Union's data.
Climb Credit Union's data
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Climb 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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