# Bank of Colorado

> **Canonical URL:** https://saferate.com/lenders/bank-of-colorado


> **📋 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


Bank of Colorado is a bank, headquartered in Fort Collins, CO, serving borrowers across 15 states, with 588 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300R0DP2GXAIMGB41
- **Headquarters:** Fort Collins, CO
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AZ, CO, FL, ID, KS, MI, MN, MO, MT, NC, NE, NM, TX, UT, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.218%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,305
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 588
- **Dollar Volume:** $281 million
- **Applications Received:** 902
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $477,415
- **Average Borrower Income:** $209,551
- **Average Property Value:** $772,602

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 446 | +0.231% | $3,075 | Strong 😀 |
| FHA | 63/100 | 72 | +0.389% | $4,149 | Strong 😀 |
| Jumbo | 77/100 | 58 | +0.049% | $5,995 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 360 loans, Score: 61/100 (Strong)
- Refinance: 86 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 69 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 49 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 490 | $240M | +0.250% | Strong 😀 |
| Refinance | 64/100 | 98 | $41M | +0.099% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 518 | 0.62% | 83/100 |
| AZ | 23 | 0.02% | 47/100 |
| NM | 11 | 0.05% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 261 | 68/100 |
| Fort Collins | CO | 112 | 84/100 |
| Greeley, CO | CO | 75 | 78/100 |
| Denver | CO | 44 | 57/100 |
| Grand Junction, CO | CO | 27 | 61/100 |
| Prescott Valley | AZ | 17 | 55/100 |
| Boulder, CO | CO | 14 | 47/100 |

## Where This Lender Ranks

Bank of Colorado appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Greeley, CO for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Prescott Valley for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Fort Collins for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Greeley, CO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Fort Collins for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Greeley, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Grand Junction, CO Banks
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks)
- 🏆 **#7** in Prescott Valley for Jumbo Loans
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Fort Collins Banks
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks)
- 🏆 **#8** in Greeley, CO Banks
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks)
- 🏆 **#9** in Grand Junction, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Fort Collins for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-collins/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Colorado for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Colorado for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Greeley, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Prescott Valley for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Colorado for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/va-loans)
- 🏆 **#16** in Boulder, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Grand Junction, CO
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders)
- 🏆 **#20** in Colorado for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/colorado/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Bank of Colorado offer?

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

### Where does Bank of Colorado offer mortgages?

Bank of Colorado offers mortgages in 15 states: AZ, CO, FL, ID, KS, MI, MN, MO, MT, NC, NE, NM, TX, UT, WY.

### How competitive are Bank of Colorado's mortgage rates?

Bank of Colorado has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.218% above market average.

### What type of lender is Bank of Colorado?

Bank of Colorado is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fort Collins, CO.

### What is Bank of Colorado's loan approval success rate?

Bank of Colorado has a pull-through score of 60/100 (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/bank-of-colorado

### How to Cite

> "Bank of Colorado Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bank-of-colorado

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