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Colony Bank

Bank•Fitzgerald, GAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Colony Bank — 650 loans across 834 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 9 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA loans

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Report Card

Colony Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.6 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
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 · 10 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume349
Mix53.7%
Spread
+0.190%Above
Fees
$2,361Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume182
Mix28.0%
Spread
+0.538%Above
Fees
$1,964Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume101
Mix15.5%
Spread
-0.134%Below
Fees
$1,587Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume584
Mix89.8%
Spread
+0.284%Above
Fees
$2,081Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume66
Mix10.2%
Spread
+0.303%Above
Fees
$2,906Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
650
Applications
834
Volume
$199 million
Pricing & Closing
Avg Rate Spread
+0.286%
vs. market APOR
Avg Net Fees
$2,182
Origination − Credits
Pullthrough Rate
77.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$307,108
Avg Borrower Income
$131,557
Avg Property Value
$383,677

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MI
South7
ALFLGANCSCTNVA

Top Metro Areas by Place Specialization Score

1© Jud McCranie · CC BY-SA 4.0
Warner Robins, GAMetro
Volume 117Mix 18.00% of portfolio
93/100
Exceptional
2© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, GAMetro
Volume 61Mix 9.38% of portfolio
89/100
Exceptional
3© c_live_lee · CC0
Augusta, GA-SCMetro
Volume 109Mix 16.77% of portfolio
82/100
Exceptional
4© Nkon21 · CC BY-SA 4.0
Savannah, GAMetro
Volume 42Mix 6.46% of portfolio
70/100
Strong
5© Mihand35 · CC BY-SA 4.0
Macon, GAMetro
Volume 34Mix 5.23% of portfolio
69/100
Strong
6© Richardelainechambers at English Wikipedia · Public domain
Athens, GAMetro
Volume 26Mix 4.00% of portfolio
64/100
Strong
7© Ebyabe · CC BY-SA 2.5
Valdosta, GAMetro
Volume 24Mix 3.69% of portfolio
61/100
Strong
8© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 42Mix 6.46% of portfolio
56/100
Sound
9© 归零者 · CC BY-SA 4.0
Columbus, GA, GA-ALMetro
Volume 12Mix 1.85% of portfolio
47/100
Sound

Top States by Place Specialization Score

Georgia
Georgia
1
GeorgiaState
Volume 610Mix 93.85% of portfolio
84/100
Exceptional
South Carolina
South Carolina
2
South CarolinaState
Volume 18Mix 2.77% of portfolio
45/100
Sound
Florida
Florida
3
FloridaState
Volume 10Mix 1.54% of portfolio
33/100
Acceptable

How 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.