Applications / Mortgage Analytics / Lenders / Colorado / Foothills Credit Union
Wheat Ridge, CO · Credit union · NCUA · $164 million assets · 23 loans in 2025
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23
loans originated, 2025
24
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foothills Credit Union is a small Colorado lender whose loans fell 57% in 2025, to 23, while similar lenders' fell 5%.
It made 54 loans in 2024 and 23 in 2025, among the steepest falls of any similar lender; those are credit unions making between half and twice as many loans. The whole market grew 10%. Its record has swung before, from 64 loans in 2020 to 37 in 2022, and on counts this small the latest fall may reflect a handful of members' decisions rather than a change of course.
Refinances made up 69.6% of its loans, home improvement 17.4% and other purposes 13.0%; it made no purchase loans. All were conventional, with no government-backed lending. Its typical loan was $115,000, against $95,000 at similar lenders. On 23 loans, these shares rest on too few loans to read much into, and the same goes for its figures for poorer neighborhoods.
It lends in one state and three counties, and has reported since 1995. Around Denver it ranks 367 of 754 lenders, with a share that rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Foothills Credit Union took 24 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.6% · Home improvement 17.4% · Other 13.0%
Conventional 100.0% · of 23 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 | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 18 |
| Fort Collins-Loveland | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004V3AW2SVUJ5U52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 731573 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567181 | 1995–2017 |
Established 1 January 1946. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Foothills Credit Union's data.
Foothills Credit Union's data
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Foothills 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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