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Bank of Colorado
Bank|Fort Collins, CO|Multi-Region
Loans Originated
588
Applications
902
Volume
$280 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.218%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,305
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Report Card
Bank of Colorado performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 7 metro areas · 15 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$477,415
Average Borrower Income
$209,551
Average Property Value
$772,602
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 446 | 75.9% | +0.231% | $3,075 |
FHA Loans | Sound | Strong | Acceptable | Strong | 72 | 12.2% | +0.389% | $4,149 |
Jumbo Loans | Strong | Strong | N/A | Strong | 58 | 9.9% | +0.049% | $5,995 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 490 | 83.3% | +0.250% | $3,560 |
Refinance | Sound | Strong | Acceptable | Strong | 98 | 16.7% | +0.099% | $2,371 |
Geographic Coverage
Metro Areas
6
States Served
15
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCOFLIDKSMIMNMOMTNCNENMTXUTWY
Top Metro Areas by Place Specialization Score
1
Fort Collins, COMSA
Volume: 112Mix: 19.05%
Place Specialization
Exceptional
2
Greeley, CO, COMSA
Volume: 75Mix: 12.76%
Place Specialization
Strong
3
Grand Junction, CO, COMSA
Volume: 27Mix: 4.59%
Place Specialization
Strong
4
Denver, COMSA
Volume: 44Mix: 7.48%
Place Specialization
Sound
5
Prescott Valley, AZMSA
Volume: 17Mix: 2.89%
Place Specialization
Sound
6
Boulder, CO, COMSA
Volume: 14Mix: 2.38%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 518Mix: 88.10%
Place Specialization
Exceptional
2
AZState
Volume: 23Mix: 3.91%
Place Specialization
Sound
3
NMState
Volume: 11Mix: 1.87%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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