BELLCO CREDIT UNION
BELLCO CREDIT UNION received 5,877 applications in 2025 and made 2,822 mortgages, in 324 counties across 23 states. The median rate its borrowers got was 8.000% on a median loan of $105,000. Of 5,352 decisions, 2,405 were denials — 44.9%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493008L9O5NV7EAK360 |
|---|---|
| Applications received | 5,877 |
| Mortgages made | 2,822 |
| Denied | 2,405 |
| Approved, not taken up | 125 |
| Withdrawn or incomplete | 525 |
| Loans bought from other lenders | 1,632 |
| Median rate spread over the prime offer rate | 1.18 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 44 | 8.000% | $245,000 | 4.1% |
| Refinancing | 29 | 8.000% | $95,000 | 54.4% |
| Cash-out refinancing | 915 | 8.000% | $135,000 | 38.3% |
| Other purposes | 1,834 | 8.000% | $85,000 | 48.1% |
Where BELLCO CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Arapahoe County, CO | 564 | 8.000% | 46.7% |
| Jefferson County, CO | 543 | 8.000% | 37.0% |
| Douglas County, CO | 447 | 8.000% | 37.5% |
| Adams County, CO | 394 | 8.000% | 51.3% |
| Denver County, CO | 310 | 8.000% | 50.1% |
| Mesa County, CO | 104 | 8.000% | 43.8% |
| Weld County, CO | 104 | 8.125% | 55.4% |
| Boulder County, CO | 86 | 8.000% | 34.3% |
| Larimer County, CO | 54 | 8.000% | 34.4% |
| El Paso County, CO | 46 | 8.000% | 45.7% |
| Broomfield County, CO | 43 | 8.000% | 33.8% |
| Elbert County, CO | 41 | 8.000% | 46.9% |
| Pueblo County, CO | 15 | 8.000% | 56.8% |
| Montrose County, CO | 9 | Under 10 loans | 50.0% |
| Park County, CO | 9 | Under 10 loans | 55.0% |
| Garfield County, CO | 7 | Under 10 loans | 36.4% |
| Grand County, CO | 6 | Under 10 loans | 53.8% |
| Eagle County, CO | 5 | Under 10 loans | 58.3% |
| Morgan County, CO | 5 | Under 10 loans | 28.6% |
| Delta County, CO | 4 | Under 10 loans | 55.6% |
| Clear Creek County, CO | 3 | Under 10 loans | 50.0% |
| Routt County, CO | 3 | Under 10 loans | 40.0% |
| Chaffee County, CO | 2 | Under 10 loans | 0.0% |
| Gilpin County, CO | 2 | Under 10 loans | 80.0% |
| La Plata County, CO | 2 | Under 10 loans | 0.0% |
| Lincoln County, CO | 2 | Under 10 loans | 50.0% |
| Summit County, CO | 2 | Under 10 loans | 88.2% |
| Alamosa County, CO | 1 | Under 10 loans | 0.0% |
| Archuleta County, CO | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 1 | Under 10 loans | 66.7% |
| Las Animas County, CO | 1 | Under 10 loans | 50.0% |
| Otero County, CO | 1 | Under 10 loans | 66.7% |
| Teller County, CO | 1 | Under 10 loans | 50.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Shelby County, TN | 1 | Under 10 loans | 50.0% |
| Brazos County, TX | 1 | Under 10 loans | 50.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Cochise County, AZ | 0 | Under 10 loans | Not published |
| Coconino County, AZ | 0 | Under 10 loans | Not published |
| Gila County, AZ | 0 | Under 10 loans | Not published |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Mohave County, AZ | 0 | Under 10 loans | Not published |
| Pima County, AZ | 0 | Under 10 loans | Not published |
| Pinal County, AZ | 0 | Under 10 loans | Not published |
| Santa Cruz County, AZ | 0 | Under 10 loans | Not published |
| Yavapai County, AZ | 0 | Under 10 loans | Not published |
| Yuma County, AZ | 0 | Under 10 loans | Not published |
| Contra Costa County, CA | 0 | Under 10 loans | Not published |
| Orange County, CA | 0 | Under 10 loans | Not published |
| Cheyenne County, CO | 0 | Under 10 loans | 100.0% |
Get told when this changes
When BELLCO CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.