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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
446 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
FHA
72 loans · 0.39% above market
Strong
Top 40% of lenders
4/5
Jumbo
58 loans · 0.05% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
490 loans · 0.25% above market
Strong
Top 40% of lenders
4/5
Refinance
98 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
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
15Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest5
KSMIMNMONE
South3
FLNCTX
West7
AZCOIDMTNMUTWY
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.