Applications / Mortgage Analytics / Lenders / Colorado / Metrum Community Credit Union
Centennial, CO · Credit union · NCUA · $109 million assets · 36 loans in 2025
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36
loans originated, 2025
45
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Metrum Community Credit Union, a small Colorado credit union, lends mostly to existing homeowners for improvements and other needs rather than to buyers.
Home improvement accounted for 41.7% of its 36 loans in 2025, other purposes for 27.8% and refinancing for another 27.8%. Only 2.8% financed a purchase. Its typical loan was $105,000, close to the $90,000 at similar lenders (credit unions making between half and twice as many loans).
Borrowers with low or moderate incomes (LMI) took 47.2% of its loans, against 31.7% at the typical similar lender. That is higher than at more than four in five of them. On 36 loans a few borrowers either way move the share, so the gap is suggestive rather than settled.
Its loans rose 44%, from 25 to 36, while the typical similar lender stood still. It has reported since 2005 but filed no report for 2020, 2021 or 2022; those are gaps in the record, not years without lending. All its lending is in Colorado, with Denver its largest 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Metrum Community Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.7% · Other 27.8% · Refinance 27.8% · Purchase 2.8%
Conventional 100.0% · of 36 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 | 36 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 29 |
| Colorado Springs | 2 |
| Greeley | 2 |
| Fort Collins-Loveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300460HWJVMVBAC39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 670391 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562422 | 2005–2017 |
Established 1 January 1946. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Metrum Community Credit Union's data.
Metrum Community Credit Union's data
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Metrum 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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