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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Explore another lender or local market
Report Card
Colony Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.6 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
349 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
FHA
182 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
VA
101 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
584 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
66 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 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 | 349 | 53.7% | +0.190%Above | $2,361Fees | ||||
FHA Loans | 182 | 28.0% | +0.538%Above | $1,964Fees | ||||
VA Loans | 101 | 15.5% | -0.134%Below | $1,587Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume349
Mix53.7%
Spread
+0.190%Above
Fees
$2,361Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume182
Mix28.0%
Spread
+0.538%Above
Fees
$1,964Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume101
Mix15.5%
Spread
-0.134%Below
Fees
$1,587Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 584 | 89.8% | +0.284%Above | $2,081Fees | ||||
Refinance | 66 | 10.2% | +0.303%Above | $2,906Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume584
Mix89.8%
Spread
+0.284%Above
Fees
$2,081Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
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
8Full-year 2024 · HMDALoans originated
< 1010–2020+None
Midwest1
MI
South7
ALFLGANCSCTNVA
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.
Looking for a different lender?
Are you the owner of Colony Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.