Climb Credit Union
Climb Credit Union received 1,250 applications in 2025 and made 774 mortgages, in 35 counties across 6 states. The median rate its borrowers got was 7.450% on a median loan of $135,000. Of 932 decisions, 158 were denials — 17.0%, most often for debt-to-income ratio. 64 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300RWXIW3CFTANH88 |
|---|---|
| Applications received | 1,250 |
| Mortgages made | 774 |
| Denied | 158 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 318 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 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 | 73 | 7.000% | $255,000 | 6.4% |
| Refinancing | 111 | 7.750% | $185,000 | 19.6% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Other purposes | 583 | 7.500% | $115,000 | 17.4% |
Where Climb Credit Union lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, CO | 152 | 7.200% | 9.5% |
| Denver County, CO | 128 | 7.200% | 15.8% |
| Arapahoe County, CO | 95 | 7.750% | 18.8% |
| Adams County, CO | 93 | 7.500% | 21.2% |
| Mesa County, CO | 71 | 7.200% | 19.3% |
| Douglas County, CO | 50 | 7.700% | 18.0% |
| Weld County, CO | 38 | 7.750% | 19.2% |
| Boulder County, CO | 35 | 7.200% | 2.8% |
| El Paso County, CO | 31 | 7.750% | 26.2% |
| Larimer County, CO | 20 | 7.375% | 16.7% |
| Broomfield County, CO | 13 | 7.700% | 0.0% |
| Elbert County, CO | 6 | Under 10 loans | 14.3% |
| Garfield County, CO | 5 | Under 10 loans | 0.0% |
| Park County, CO | 5 | Under 10 loans | 16.7% |
| Teller County, CO | 5 | Under 10 loans | 0.0% |
| Delta County, CO | 4 | Under 10 loans | 33.3% |
| Gunnison County, CO | 3 | Under 10 loans | 0.0% |
| Montrose County, CO | 3 | Under 10 loans | 0.0% |
| Pueblo County, CO | 3 | Under 10 loans | 0.0% |
| Summit County, CO | 3 | Under 10 loans | 25.0% |
| Eagle County, CO | 2 | Under 10 loans | 0.0% |
| Grand County, CO | 2 | Under 10 loans | 0.0% |
| Clear Creek County, CO | 1 | Under 10 loans | 50.0% |
| Costilla County, CO | 1 | Under 10 loans | 0.0% |
| Huerfano County, CO | 1 | Under 10 loans | 0.0% |
| Kiowa County, CO | 1 | Under 10 loans | 0.0% |
| La Plata County, CO | 1 | Under 10 loans | 0.0% |
| Morgan County, CO | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 0 | Under 10 loans | 100.0% |
| Archuleta County, CO | 0 | Under 10 loans | Not published |
| Chaffee County, CO | 0 | Under 10 loans | Not published |
| Fremont County, CO | 0 | Under 10 loans | Not published |
| Gilpin County, CO | 0 | Under 10 loans | Not published |
| Bernalillo County, NM | 0 | Under 10 loans | 100.0% |
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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.