Owners, not buyers
Other-purpose loans made up 44.6% of its lending and home improvement 35.4%. Refinances took 12.3%. Its typical loan was $125,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Colorado / Denver Fire Department Federal Credit Union
Denver Fire Department Federal Credit Union
Denver, CO · Credit union · NCUA · $217 million assets · 65 loans in 2025
Denver Fire Department Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Denver Fire Department Federal Credit Union lends mostly to people who already own homes: purchases were only 7.7% of its loans in 2025.
Growing again
Its loans rose 12%, from 58 to 65, against 7% for peers and 10% for the whole market. That leaves it well below the 163 it made in 2021; the data give no reason for the fall since.
More loans in majority-minority areas
Majority-minority areas took 16.9% of its loans, against 9.2% at peers, more than at about two-thirds of them, and up from 8.6%. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 18.8%, close to peers' 17.4%. LMI borrowers took 25.0%, against 31.0%. Owners borrowing against their homes may earn more than first-time buyers.
Small, across Colorado
It has lent in Denver since 1995 and ranked 257 of 754 lenders. It has lent in Fort Collins since 2013 and Boulder since 2017, with shares that round to 0.0%. In 2025 it first lent in Lake Havasu City-Kingman.
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
65 loans in 2025, against a peak of 163 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Denver Fire Department Federal Credit Union took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
44.6% of its 2025 loans were other loans; all were conventional loans.
Other 44.6% · Home improvement 35.4% · Refinance 12.3% · Purchase 7.7%
Conventional 100.0% · of 65 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
2 states, 5 metros, 13 counties
| State | Loans | Share |
|---|---|---|
| Colorado | 64 | 98.5% |
| Arizona | 1 | 1.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 54 |
| Greeley | 5 |
| Boulder | 2 |
| Fort Collins-Loveland | 1 |
| Lake Havasu City-Kingman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BJPOL64WXEFY56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 910677 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52881 | 1995–2017 |
Established 1 January 1938. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Denver Fire Department Federal Credit Union's data.
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