Zing Credit Union
Zing Credit Union received 262 applications in 2025 and made 144 mortgages, in 17 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $75,000. Of 218 decisions, 71 were denials — 32.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300N6Q6IC190UPB76 |
|---|---|
| Applications received | 262 |
| Mortgages made | 144 |
| Denied | 71 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3 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 | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 138 | 7.500% | $75,000 | 33.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where Zing Credit Union lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Denver County, CO | 69 | 7.500% | 34.6% |
| Jefferson County, CO | 28 | 7.500% | 21.6% |
| Arapahoe County, CO | 17 | 7.500% | 34.6% |
| Adams County, CO | 13 | 7.500% | 33.3% |
| Douglas County, CO | 4 | Under 10 loans | 33.3% |
| El Paso County, CO | 3 | Under 10 loans | 40.0% |
| Broomfield County, CO | 2 | Under 10 loans | 0.0% |
| Weld County, CO | 2 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 50.0% |
| Custer County, CO | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Park County, CO | 1 | Under 10 loans | 0.0% |
| Pueblo County, CO | 1 | Under 10 loans | 50.0% |
| Chaffee County, CO | 0 | Under 10 loans | 100.0% |
| Costilla County, CO | 0 | Under 10 loans | 100.0% |
| Elbert County, CO | 0 | Under 10 loans | 100.0% |
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When Zing Credit Union’s figures are published for the next year, or restated.
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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.