Applications / Mortgage Analytics / Lenders / Colorado / Fitzsimons Federal Credit Union
Aurora, CO · Credit union · NCUA · $214 million assets · 47 loans in 2025
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47
loans originated, 2025
78
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fitzsimons Federal Credit Union is mainly a home-improvement lender, and most of its loans go to low- and moderate-income (LMI) and majority-minority neighborhoods; its lending halved in 2025.
It made 47 loans, down 49% from 93, while similar lenders (credit unions making between half and twice as many loans) rose 4% and the market 10%. Its fall was larger than at almost all peers. From 2018 to 2022 it made between 159 and 180 loans a year. The record does not show why; demand for home-improvement loans, most of its lending, may have fallen.
Home improvement made up 51.1% of its loans and other purposes 27.7%; purchases were just 2.1%. All were conventional. Its typical loan, $125,000, was higher than at about two-thirds of peers, whose typical loan was $95,000.
LMI areas took 52.2% of its loans, against 17.4% at peers, a higher share than at almost all. Majority-minority areas took 60.9%, against 9.6%. LMI borrowers took 45.6%, against 30.9%, more than at more than four in five peers.
Its typical rate, 6.50%, was lower than at about seven in ten peers, whose typical rate was 6.75%. In Denver, its largest market and one it has served since 1990, it ranked 300 of 754 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fitzsimons Federal Credit Union took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.1% · Other 27.7% · Refinance 19.1% · Purchase 2.1%
Conventional 100.0% · of 47 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 | 46 | 97.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 42 |
| Greeley | 2 |
| Colorado Springs | 1 |
| Fort Collins-Loveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RU85PQV881NJ83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828183 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510572 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fitzsimons Federal Credit Union's data.
Fitzsimons Federal Credit Union's data
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Fitzsimons Federal 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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