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Colorado Federal Savings Bank
Bank|Greenwood Village, CO|Multi-Region
Loans Originated
784
Applications
1,099
Volume
$302 million
Sources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.012%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,589
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Report Card
Colorado Federal Savings Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 20 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$386,467
Average Borrower Income
$134,233
Average Property Value
$525,804
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 783 | 99.9% | +0.012% | $1,590 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 702 | 89.5% | +0.022% | $1,583 |
Refinance | Sound | Sound | Sound | Sound | 82 | 10.5% | -0.076% | $1,637 |
Geographic Coverage
Metro Areas
19
States Served
19
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARCODCDEHIIALAMAMEMSMTNENHNMNYRIWVWY
Top Metro Areas by Place Specialization Score
1
Huntsville, AL, ALMSA
Volume: 64Mix: 8.16%
Place Specialization
Strong
2
Providence, RI-MAMSA
Volume: 64Mix: 8.16%
Place Specialization
Strong
3
Cambridge, MAMSA
Volume: 63Mix: 8.04%
Place Specialization
Strong
4
Denver, COMSA
Volume: 67Mix: 8.55%
Place Specialization
Strong
5
Wilmington, DEMSA
Volume: 41Mix: 5.23%
Place Specialization
Strong
6
Boston, MA, MAMSA
Volume: 43Mix: 5.48%
Place Specialization
Sound
7
New York, NY-NJMSA
Volume: 55Mix: 7.02%
Place Specialization
Sound
8
Albuquerque, NM, NMMSA
Volume: 26Mix: 3.32%
Place Specialization
Sound
9
Baton Rouge, LA, LAMSA
Volume: 27Mix: 3.44%
Place Specialization
Sound
10
Dover, DE, DEMSA
Volume: 16Mix: 2.04%
Place Specialization
Sound
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
ALState
Volume: 149Mix: 19.01%
Place Specialization
Strong
2
MAState
Volume: 171Mix: 21.81%
Place Specialization
Strong
3
DEState
Volume: 83Mix: 10.59%
Place Specialization
Strong
4
NYState
Volume: 101Mix: 12.88%
Place Specialization
Strong
5
LAState
Volume: 65Mix: 8.29%
Place Specialization
Strong
6
COState
Volume: 67Mix: 8.55%
Place Specialization
Sound
7
RIState
Volume: 24Mix: 3.06%
Place Specialization
Sound
8
NMState
Volume: 27Mix: 3.44%
Place Specialization
Sound
9
HIState
Volume: 17Mix: 2.17%
Place Specialization
Sound
10
NHState
Volume: 19Mix: 2.42%
Place Specialization
Sound
Showing 10 of 12 states
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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