Lender in Colorado · HMDA 2025
Navy Federal Credit Union mortgages in Colorado
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
Navy Federal Credit Union originated 641 owner-occupied single-family loans in Colorado from 747 completed applications.
Its median conventional purchase loan costs were $2,330 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.50% (Colorado: 6.50%).
Loans in CO
641
of 747 applications
Denial rate
7.0%
Purchase · CO 6.3%
Rate spread
−0.19 pts
Conv. · CO +0.04 pts
Loan amount
$455,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 571 | 523 | 7.0% | 6.500% | −0.19 pts | $2,330 | $455,000 |
| Refinance | 78 | 55 | 28.2% | — | −0.33 pts | $3,090 | $465,000 |
| Cash-out refinance | 98 | 63 | 34.7% | — | — | — | $465,000 |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lincoln County | 5 | 3 | 4.7% |
| Clear Creek County | 11 | 3 | 1.7% |
| Archuleta County | 12 | 4 | 1.6% |
| Custer County | 12 | 2 | 2.2% |
| Rio Grande County | 12 | 2 | 1.8% |
| Gilpin County | 13 | 2 | 1.7% |
| Huerfano County | 13 | 1 | 1.8% |
| Alamosa County | 14 | 1 | 1.2% |
| Teller County | 15 | 7 | 1.2% |
| El Paso County | 16 | 183 | 1.3% |
| Las Animas County | 16 | 2 | 1.7% |
| Saguache County | 18 | 1 | 2.0% |
| Summit County | 19 | 5 | 1.0% |
| Kit Carson County | 19 | 1 | 1.6% |
| Rio Blanco County | 19 | 1 | 0.9% |
| Montrose County | 22 | 5 | 0.9% |
| La Plata County | 22 | 4 | 0.6% |
| Pueblo County | 24 | 22 | 0.8% |
| Mesa County | 24 | 20 | 0.8% |
- Navy Federal Credit Union nationwide
- Colorado mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology