Applications / Mortgage Analytics / Lenders / Colorado / Northern Colorado Credit Union
Greeley, CO · Credit union · NCUA · $73.9 million assets · 47 loans in 2025
Northern Colorado Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
47
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northern Colorado Credit Union lends mostly against homes people already own: more than four in five of its 47 loans in 2025 were for home improvement or other purposes, not for buying or refinancing a home.
Loans for other purposes made up 46.8% of its lending and home improvement 36.2%; purchases were just 10.6%. Its typical loan is small to match, at $75,000 against $95,000 at similar lenders (credit unions making between half and twice as many loans). Every loan was conventional, with no government backing.
Its loans fell 11%, from 53 to 47, while similar lenders grew 4% and the whole market 10%. A dip of six loans is small for a lender of its size. Its record swings far more widely: 88 loans in 2021, then four in 2022. A drop that sharp may reflect how the credit union reported that year rather than how much it lent.
Low- and moderate-income neighborhoods (LMI tracts) took 23.4% of its loans, against 17.4% at the typical peer, higher than about two-thirds of them. Its share of loans to low- and moderate-income borrowers, 30.4%, sat near the middle of its peers.
It has lent in Greeley since at least 1990 and entered Fort Collins-Loveland in 2007. In both it is a minor player beside much larger lenders such as United Wholesale Mortgage, which leads each market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northern Colorado Credit Union took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.8% · Home improvement 36.2% · Purchase 10.6% · Refinance 6.4%
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 | 47 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 34 |
| Fort Collins-Loveland | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZCGCHCFNE8KY02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 238193 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565775 | 1990–2016 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Northern Colorado Credit Union's data.
Northern Colorado Credit Union's data
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Northern Colorado 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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