Applications / Mortgage Analytics / Lenders / Colorado / RED ROCKS Credit Union
Littleton, CO · Credit union · NCUA · $350 million assets · 238 loans in 2025
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238
loans originated, 2025
351
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RED ROCKS Credit Union, a credit union in Littleton, Colorado, lends mainly to people improving homes they already own, and its loans rose 31% in 2025, faster than at most similar credit unions.
It made 238 loans in 2025. Similar lenders, credit unions making between half and twice as many loans, grew by 5%, and the whole market by 10%; its growth was faster than at about three in four of them. The rebound is modest beside its past. It made 909 loans in 2020 and 192 in 2023.
Home-improvement loans made up 47.1% of its lending and refinances 31.9%. Home purchases were just 6.7%. Every loan was conventional. Its typical loan was $135,000, against $105,000 at its peers.
Low- and moderate-income (LMI) borrowers took 18.1% of its loans, against 27.8% at its peers. Poorer neighborhoods (LMI tracts) took 13.5%, against 16.3%. Its focus on home improvement, which serves people who already own homes, and its larger loans are possible reasons.
In Denver-Aurora-Centennial, its largest market, it ranked 153 of 754 lenders with 0.1% of the market, unchanged from 2024. United Wholesale Mortgage, Rocket Mortgage and Wells Fargo Bank led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RED ROCKS Credit Union took 351 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 47.1% · Refinance 31.9% · Other 14.3% · Purchase 6.7%
Conventional 100.0% · of 238 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 | 238 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 203 |
| Colorado Springs | 6 |
| Fort Collins-Loveland | 6 |
| Greeley | 6 |
| Boulder | 5 |
| Grand Junction | 2 |
| Pueblo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009NZUFSRFRWTY71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 499882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 523552 | 1997–2005 |
| Respondent ID (the HMDA filer code before 2018) | 568560 | 2006–2017 |
Established 1 January 1979. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: RED ROCKS Credit Union's data.
RED ROCKS Credit Union's data
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RED ROCKS 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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