What loan types does High Country Bank offer?

High Country Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does High Country Bank offer mortgages?

High Country Bank offers mortgages in 1 states: CO.

How competitive are High Country Bank's mortgage rates?

High Country Bank has an overall pricing score of 56.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is High Country Bank?

High Country Bank is a Bank headquartered in Salida, CO.

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High Country Bank

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High Country Bank has 131 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Active

Single State

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Explore another lender or local market

Report Card

High Country Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 66.7 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

123 loans · 0.70% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

67 loans · 0.81% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

64 loans · 0.49% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 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	Sound	Acceptable	Sound	Sound	123	93.9%	-0.697%Below	$3,392Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume123

Mix93.9%

Spread

-0.697%Below

Fees

$3,392Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	67	51.1%	-0.806%Below	$4,527Fees
Refinance	Strong	Sound	Strong	Strong	64	48.9%	-0.495%Below	$1,956Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume67

Mix51.1%

Spread

-0.806%Below

Fees

$4,527Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume64

Mix48.9%

Spread

-0.495%Below

Fees

$1,956Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

131

Applications

183

Volume

$61 million

Pricing & Closing

Avg Rate Spread

-0.667%

vs. market APOR

Avg Net Fees

$3,376

Origination − Credits

Pullthrough Rate

71.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$466,374

Avg Borrower Income

$215,420

Avg Property Value

$785,916

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

N/A

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

West1

Top States by Place Specialization Score

ColoradoState

Volume 131Mix 100.00% of portfolio

72/100

Strong

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.