# ELEVATIONS

> **Canonical URL:** https://saferate.com/lenders/elevations


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ELEVATIONS is a credit union, headquartered in Boulder, CO, with 1,642 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930067MGJBFNEN1P47
- **Headquarters:** Boulder, CO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CO
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.167%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,018
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,642
- **Dollar Volume:** $891 million
- **Applications Received:** 2,257
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $542,753
- **Average Borrower Income:** $206,400
- **Average Property Value:** $802,144

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,371 | +0.168% | $1,134 | Exceptional 🤩 |
| FHA | 58/100 | 42 | +0.357% | $2,329 | Sound ☺️ |
| VA | 64/100 | 34 | -0.363% | $1,790 | Strong 😀 |
| Jumbo | 85/100 | 195 | +0.202% | $-118 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,221 loans, Score: 82/100 (Exceptional)
- Refinance: 150 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 38 loans, Score: 57/100 (Sound)

**VA:**
- Purchase: 34 loans, Score: 64/100 (Strong)

**Jumbo:**
- Purchase: 172 loans, Score: 85/100 (Exceptional)
- Refinance: 23 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 1,465 | $800M | +0.161% | Exceptional 🤩 |
| Refinance | 75/100 | 177 | $91M | +0.220% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 1,642 | 1.97% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 702 | 88/100 |
| Boulder, CO | CO | 549 | 100/100 |
| Fort Collins | CO | 182 | 89/100 |
| Greeley, CO | CO | 112 | 81/100 |
| Non |  | 79 | 45/100 |
| Colorado Springs, CO | CO | 11 | 41/100 |

## Where This Lender Ranks

ELEVATIONS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Boulder, CO for Conventional Loans
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Boulder, CO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Boulder, CO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Colorado Credit Unions
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Colorado for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Denver Credit Unions
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Denver for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Denver for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/fha-loans)
- 🥈 **#2** in Boulder, CO
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders)
- 🥈 **#2** in Fort Collins Credit Unions
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Fort Collins for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Fort Collins for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Greeley, CO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Greeley, CO for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Colorado for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Colorado for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Denver for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Denver for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Greeley, CO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Denver for Conventional Loans
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does ELEVATIONS offer?

ELEVATIONS offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ELEVATIONS offer mortgages?

ELEVATIONS offers mortgages in 1 states: CO.

### How competitive are ELEVATIONS's mortgage rates?

ELEVATIONS has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.167% above market average.

### What type of lender is ELEVATIONS?

ELEVATIONS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Boulder, CO.

### What is ELEVATIONS's loan approval success rate?

ELEVATIONS has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/elevations

### How to Cite

> "ELEVATIONS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/elevations

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