Applications / Mortgage Analytics / Lenders / Colorado / Affidian Credit Union
Denver, CO · Credit union · NCUA · $358 million assets · 26 loans in 2025
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26
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Affidian Credit Union, a Denver credit union that has filed under HMDA since 1990, made 26 mortgage loans in 2025, about half as many as a year earlier and the fewest in its recent record.
Its loans fell 49% in 2025. Similar lenders, credit unions making between half and twice as many loans, fell 5%, and the whole market grew 10%. The decline is not new: it made 122 loans in 2021 and 119 in 2022, then 55 in 2023. The record gives no reason for the fall. It filed no report for 2020, a gap in the record rather than a year without lending.
Home purchases made up only 19.2% of its 2025 loans. Refinances were 42.3% and other-purpose loans 30.8%, with home improvement the rest. Every loan was conventional, with nothing government-backed. On 26 loans these shares can swing sharply from year to year, so they are too few to read much into.
It lends in one state, Colorado, across three metros and eight counties. In Denver, its largest market, it ranked 353 of 754 lenders; United Wholesale Mortgage and Rocket Mortgage lead there. It has lent in Denver since 1994 and in Boulder since 1995, but its share of each market rounds to nothing.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Affidian Credit Union took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.3% · Other 30.8% · Purchase 19.2% · Home improvement 7.7%
Conventional 100.0% · of 26 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 | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 24 |
| Boulder | 1 |
| Greeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EB335VA0W9HB45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 835976 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52847 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Affidian Credit Union's data.
Affidian Credit Union's data
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Affidian 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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