We analyzed every closed loan from Bank of Colorado — 588 loans across 902 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 6 mkts
Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Bank of Colorado performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+21.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 446 | 75.9% | +0.231%Above | $3,075Fees | ||||
FHA Loans | 72 | 12.2% | +0.389%Above | $4,149Fees | ||||
Jumbo Loans | — | 58 | 9.9% | +0.049%Above | $5,995Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume446
Mix75.9%
Spread
+0.231%Above
Fees
$3,075Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume72
Mix12.2%
Spread
+0.389%Above
Fees
$4,149Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume58
Mix9.9%
Spread
+0.049%Above
Fees
$5,995Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 490 | 83.3% | +0.250%Above | $3,560Fees | ||||
Refinance | 98 | 16.7% | +0.099%Above | $2,371Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume490
Mix83.3%
Spread
+0.250%Above
Fees
$3,560Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume98
Mix16.7%
Spread
+0.099%Above
Fees
$2,371Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
588
Applications
902
Volume
$280 million
Pricing & Closing
Avg Rate Spread
+0.218%
vs. market APOR
Avg Net Fees
$3,305
Origination − Credits
Pullthrough Rate
65.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$477,415
Avg Borrower Income
$209,551
Avg Property Value
$772,602
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
15Midwest5
KSMIMNMONE
South3
FLNCTX
West7
AZCOIDMTNMUTWY
Top Metro Areas by Place Specialization Score
Volume 112Mix 19.05% of portfolio
84/100
Exceptional
Volume 75Mix 12.76% of portfolio
78/100
Strong
Volume 27Mix 4.59% of portfolio
61/100
Strong
Volume 44Mix 7.48% of portfolio
57/100
Sound
Volume 17Mix 2.89% of portfolio
55/100
Sound
Volume 14Mix 2.38% of portfolio
47/100
SoundTop States by Place Specialization Score
1
ColoradoState
Volume 518Mix 88.10% of portfolio
83/100
Exceptional2
ArizonaState
Volume 23Mix 3.91% of portfolio
47/100
Sound3
New MexicoState
Volume 11Mix 1.87% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.