Applications / Mortgage Analytics / Lenders / Colorado / Weld Community Credit Union
Greeley, CO · Credit union · NCUA · $109 million assets · 87 loans in 2025
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87
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Weld Community Credit Union is a Colorado lender to people who already own their homes: almost all its 87 loans in 2025 were refinances or home-improvement loans.
Refinances made up 57.5% of its loans and home improvement 40.2%; purchases were just 2.3%. That mix may explain why its loans are small: $75,000 typically, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than about three in four of them.
Its loans slipped 1%, from 88 to 87, while similar lenders grew 7% and the whole market 10%. It had grown fast before, from 42 loans in 2021 to 137 in 2023. A lender built on refinances and home-improvement loans may simply move to a different rhythm from purchase lenders. It filed no report for 2020.
It made 35.6% of its loans to low- and moderate-income (LMI) borrowers, against 30.5% at similar lenders, more than about three in five of them. Its share in LMI neighborhoods was lower, 12.6% against 17.3%. It lends in only three counties, so the poorer neighborhoods within its reach may be few.
Greeley is its largest market, and it has lent there since its first report in 1995. It also lends in Fort Collins-Loveland and Denver, with shares too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Weld Community Credit Union took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.5% · Home improvement 40.2% · Purchase 2.3%
Conventional 100.0% · of 87 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 | 87 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greeley | 81 |
| Fort Collins-Loveland | 5 |
| Denver-Aurora-Centennial | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KLRON8YJD2EN33 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 475091 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563122 | 1995–2017 |
Established 1 January 1936. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Weld Community Credit Union's data.
Weld Community Credit Union's data
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Weld Community 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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