Gaining in Grand Junction
In Grand Junction, CO, where it has lent since 1997, it ranked 19 of 268 lenders. Ark-La-Tex Financial Services led the market.
Applications / Mortgage Analytics / Lenders / Colorado / Coloramo Federal Credit Union
Coloramo Federal Credit Union
Grand Junction, CO · Credit union · NCUA · $192 million assets · 107 loans in 2025
Coloramo Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
107
loans originated, 2025
160
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coloramo Federal Credit Union is gaining ground in Grand Junction even as it makes slightly fewer loans. Its share of that market rose from 0.9% to 1.2% in 2025.
Fewer loans, more dollars
It made 107 loans, down 4% from 112, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%. Yet its dollar total rose from $10.6 million to $17.0 million as its typical loan climbed from $65,000 to $105,000, the same as at similar lenders. It has made between 91 and 141 loans a year since 2018.
Not a home buyers' lender
Other-purpose loans made up 52.3% of its lending and refinances 38.3%. Home purchases were only 6.5%. All its loans were conventional, with none insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA).
Poorer neighborhoods, pricier loans
Low- and moderate-income (LMI) neighborhoods took 31.8% of its loans, more than at about nine in ten similar lenders. Its higher-priced share (loans at a rate well above the average for similar loans) was 10.3%, against 3.1% at similar lenders. A mix led by other-purpose loans, rather than first mortgages for purchase, could account for most of that.
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
107 loans in 2025, against a peak of 141 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coloramo Federal Credit Union took 160 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.3% of its 2025 loans were other loans; all were conventional loans.
Other 52.3% · Refinance 38.3% · Purchase 6.5% · Not applicable 1.9% · Home improvement 0.9%
Conventional 100.0% · of 107 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
1 state, 3 metros, 5 counties
| State | Loans | Share |
|---|---|---|
| Colorado | 107 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Grand Junction | 103 |
| Denver-Aurora-Centennial | 1 |
| Pueblo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VEXSWLQB1TM843 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 292681 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58725 | 1997–2017 |
Established 1 January 1953. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Coloramo Federal Credit Union's data.
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